growth of I see the vibrant Chairman’s Message that mainly focuses and appreciation Institute great joy This through It is with social service. of poverty engaged in bondage RUDSETI, from the or wage Deshpande the people self employment in liberating either through the Institute and functions activities, activity of generating the hardcore self help income is by promoting various Development taken care Rural women is employment. of rural the empowerment picture of where the banks. a clear them to herein give the poor and linking highlighted towards groups by D-RUDSETI to reach The accomplishments particular services undertaken is very selfless the Institute and learn that relentless happy to ation, . I am t of infl and the needy . vironmen of the society nging en more and all sections nt challe out to out to he prese to reach the call in t ourselves in Our is to recommit of the society and poverty women under privileged unemployment youth and cause. unemployed to this noble more committed one who is years to come. and every for each .V. Deshpande All the best Sri R Chairman Preface

Deshpande RUDSETI works with downtrodden and vulnerable community of the society with the growing realization that a genuine development can be brought about only when the members of the community are actively involved in shaping their own future by becoming responsible to themselves. The formation and training of Self Help Groups are given topmost priority by the Institute as part of rural development activities. Before intervention of the Institute, most of the vulnerable group especially women and their family members were under the mercy of local money lenders and landlords. Our intervention by way of promoting women SHG's has released them from the clutches of money lenders.

The Institute organised various awareness camps, and workshops on capacity building to empower the underprivileged in rural area. These activities helped the SHG members to become aware of their rights in their family and in the society also. Now these people have easy access to finance at affordable cost and are earning their livelihood. They have got a say in the decision making process in their family in particular and society in general.

The main objective of forming SHGs is to give special impetus to the empowerment of rural women. It creates an environment for social change, self confidence and making them self reliant. It enhances financial stability in rural women by undertaking income generation activities, thereby contributing to poverty alleviation.

The Institute has laid more emphasis on formation of new SHGs, and strengthening of existing SHGs. Institute has formed 1181 SHGs enrolling 14498 members in Mundgod, Dandeli, Joida and Haliyal area. The total savings of these groups crossed Rs. 462.93 Lakhs and their credit Rs. 702.87 Lakhs. Institute conducts different trainings to train SHG members.

This book highlights the achievement of our centres at Mundgod, Dandeli, Joida and Haliyal along with the Yashogathe of rural women entrepreneurs.

S.D. SAYAGAVI Director

1 HALIYAL

Date of opening of the Centre : 1st Oct. 2006 Area covered : Haliyal Town, and few neighbouring villages

Target group for community development activity in Haliyal Town constitutes a sizeable section of women who are agricultural labourers, artisans, housewives etc. Many NGOs who have worked for women empowerment in the town are project specific and hence long term development is not visible. D-RUDSETI has extended its community development programmes in Haliyal Town since 2008, keeping in view the scope available for women empowerment.

Significant Achievements: 2802 members were covered under 234 SHGs Rs.55.85 Lakhs mobilized as savings by SHGs Rs.66.87 Lakhs credit availed from bank by SHGs 69 SHG members commenced livelihood activities and earnings Rs.1500/- p.m. on an average 70 Rural Development Activities organized to educate 5037 rural folk Under Janashree Bima Yojane of LIC of India 1401 members insured Under Janashree Bima Yojane of LIC of India,302 children of SHG members received scholarship to the tune of Rs. 1,81,200/- Under Janashree Bima Yojane of LIC of India,1 death claim was settled amounting to Rs. 30,000/-.

2 PROFILE OF SETTLED SHG MEMBERS – HALIYAL CENTRE

Pooja Prabhuling Desaiswamy Jawahar Road, Haliyal (N.K.) A House wife, who belongs to a business family. Member of “Shrinidhi SHG” promoted by D-RUDSETI. She has undergone various SHG trainings and got confidence. Availed loan of Rs 10,000/- from her SHG and Rs.20,000/- from Syndicate Bank, Haliyal. Doing Saree Selling Business. Earning Rs 5,000/- per month on an average.

Ratna Narayan Sangolli At/Po: Havagi, Tq: Haliyal (N.K.) A Member of “Shubhalaxmi SHG” promoted by D-RUDSETI. Her husband is running a tractor repair garage. She got Rs. 10,000/- loan from SHG and Rs 15,000/- from Syndicate Bank. She purchased paint spray machine for the tractors. She is also assisting her husband in the business. Their earning is Rs.6000/- per month on an average.

Vital Mahadeva Navalagi At/Post: Tergaon, Tq: Haliyal (N.K.) Belongs to poor family. He was running a small “Hair cutting saloon” . He joined the “Aanjaneya Men SHG” promoted by D-RUDSETI. Availed the loan of Rs.10,000/- from his SHG & Rs.5,000/- from the Bank. He improved his Hair Cutting Saloon. His earning has also increased from Rs.3000/P.M.- to Rs. 8,500/- per month on average.

Anthon Savil Souza At/ Po: Homanalli, Tq: Haliyal (N.K.) Belongs to middle class family. Availed Rs 30,000/- Bank loan from Syndicate Bank, Haliyal Member of “Jnanodaya SHG” promoted by D-RUDSETI. He has taken internal loans from his SHG several times to improve his business. He is making Yarn Spindles with the help of a small machine. Earning Rs 8,000/- per month on an average.

3 Mangala K Gundupkar At/Po: Mangalwad, Tq: Haliyal ( U.K.) Belongs to middle class family. Young, educated woman, who wanted to support her family. She joined “Yamuna SHG” promoted by D-RUDSETI. She took internal loan of Rs.5000/-. She started small tailoring unit at home. She has become specialist in stitching dresses and pico falls. She is earning Rs.5,000/- per month on an average.

Laxmi Maruti Renagekar At post : Kalasapur Tq: Haliyal (UK) 55 years old woman who belongs to agriculture family. Member of “Shri Mangai SHG” promoted by D-RUDSETI. She is availing internal loan from her SHG regularly for her agriculture work. She is growing Maize in her 2 acres of land. She is earning Rs.50000/- per year on an average.

Manjula Basavaraj Kajagar At/Po: Tergaon, Tq: Haliyal (N.K.) Belongs to agricultural family. She was aiming to improve financial status of her family. Joined “Veerbhadreshwar SHG” promoted by D-RUDSETI. She improved her business of preparation and selling of grafted seedlings of Mango by availing internal loans. She also, availed bank loan of Rs. 5,000/- through her SHG. Earning Rs 60,000/- per annum on an average.

Mahadevi Mavalu Kinagekar. At /Post : Pala, Tq: Haliyal ( U.K.) Belongs to Middle class family. Member of “Renuka SHG” promoted by D-RUDSETI. She availed Rs.5,000/- internal loan from her SHG. She is stitching the Kaudi (Rajai) by hand from small piece of clothes and with old sarees. Earning a profit of Rs.2,000/- per month on an average.

4 Sunita Anil Angadi At/Po: Havagi, Tq: Haliyal (N.K.) She hails from poor agricultural family. She joined Sri Grama Laxmi SHG, promoted by D-RUDSETI. She has undergone various SHG trainings. Availed Rs.15,000/- loan from the Syndicate bank and invested her funds of Rs.30,000 to purchase 2 she Buffaloes. She is having small dairy. Earning Rs.5,000/- per month on an average by selling milk.

Tara Pundalik Kadam At Post: Kalasapur Tq; Haliyal (UK) She is hard working woman who belongs to agriculture family. Member of “Mangai SHG” promoted by D-RUDSETI. She availed a loan of Rs.10,000/- from her SHG. She has grown Mango trees in her 2 acres of land. She is Selling Mangoes and earning Rs.50000/- per year on an average.

Sujata Manjunath Hudali At /Po: Madnalli Tq: Haliyal ( U.K. ) Belongs to potter's family. She is 25 years young lady. Member of Pratiksha SHG promoted by D-RUDSETI. She is taking internal loans & repaying regularly. She is preparing curd pots & selling to Krishna Milk Dairy. Monthly income is Rs.4,000/- on an average.

Sarojini Dattatraya Masurkar At/Post: Tergaon, Tq: Haliyal (N.K.) Member of “Siddkala SHG” promoted by D-RUDSETI. She got motivated through EDP inputs in various SHG trainings. Availed loan of Rs. 15,000/ from Syndicate Bank, Haliyal. Purchased a refrigerator and selling cold drinks at her home. She is earning Rs.3,000 /- per month on an average.

5 Durgavva Shivappa Vaddar At Post Muttalmuri, Tq: Haliyal (U.K.) She is a 55 years old widow. She is living alone. She joined Sanatan SHG, promoted by D-RUDSETI. She availed Rs. 3,000/- as internal loan along with Bank loan under SGSY Scheme from her SHG. She is doing Muttuga leaf plates called Patravali and selling locally. She is earning Rs.2,000/- per month on an average.

Preeti Satish Joshi Basavaraj Galli, Haliyal (UK) Belongs to middle class family. She wanted to support her family economically. She joined “Shri Nidhi SHG” promoted by D-RUDSETI. She availed a loan of Rs.10,000/- from Syndicate Bank and also Rs.5,000 from her SHG as internal loan. She is preparing Masala Powder and selling locally. She is earning a profit of Rs.3,000/- per month on an average.

Yallavva Narayan Korwar At/Post: Havagi, Tq: Haliyal (N.K.) Belongs to a poor family. She joined “Jayalaxmi SHG” promoted by D-RUDSETI. Availed loan of Rs10,000/- from Bank through her SHG. Supporting her family through preparation and sales of bamboo articles. Earning Rs 5,000/- per month on an average.

Shobha M Madiwal At/ Po: Mangalwad, Tq: Haliyal (UK) She Joined the “Yamuna SHG” promoted by D-RUDSETI. She has studied upto 6th standard only. She is availing internal loans regularly. She is running her own Ironing Shop. She is earning a profit of Rs.4,000/- per month on average.

6 Renuka Demani Madiwal At/ Post : Pala Tq: Haliyal (U.K.) She belongs to labour class & has no land. She studied up to 4th Std. She joined “Shri Maruti SHG” promoted by D-RUDSETI. She availed the internal loan of Rs.5,000/- & Rs.5,000/- from Syndicate Bank. She is selling the Puffed Rice (Mandakki). She is earning a profit of Rs.4,500/- per month on average.

Vijaya Kajagar At/Post: Tergaon Tq: Haliyal (N.K.) Highly ambitious lady. Joined “Veerbhadreshwar SHG” promoted by D-RUDSETI. Got motivated to do business. Availed the bank loan of Rs15,000/- through her SHG and invested Rs.45000/- on her own. Purchased Xerox machine and running the business. Also selling Bangles. She is earning a profit of Rs.3,000/- per month on an average.

Gulabi Ganesha Chavan. At/ Po : Muttalmuri Tq: Haliyal (UK) Belongs to Agriculture family. She is member of “Sanatan SHG”. She availed Rs.3,000/- internal Loan & Rs. 10,000/- Bank Loan under S.G.S.Y. Scheme. She is growing vegetables in her land & selling in the market. She is earning a profit of Rs.4,000/- per month on an average.

Ashwini Masurkar At/ Post: Tergaon, Tq: Haliyal (N.K.) Belongs to business family. Member of “ Siddhakala SHG” promoted by D-RUDSETI. She has attended many SHG trainings and improved her confidence. She is taking internal loans on regular basis and repaying the same. She is running grocery shop and also selling vegetables in the same shop. She is earning Rs. 5,000/- p.m. on an average.

7 Surekha Pandurang Mule Basavaraj Galli, Haliyal (UK) Belongs to middle class family. Joined Ishwar SHG promoted by D-RUDSETI. She is taking internal loan & repaying promptly . Running a Flour mill and earning Rs.4000/- per month on an average.

Kashavva I Timmapur At post Madnalli, Tq: Haliyal ( U.K.) She is house wife who studied upto 5th std. Joined Pratiksha SHG promoted by D-RUDSETI . She is regularly taking the internal loans & repaying promptly . She is preparing herbal medicines and selling locally . She is earning a profit of Rs.3,000/- per month on an average.

Bharati B Ragate At/Po: Tergaon, Tq: Haliyal (UK) Belongs to middle class family. She joined “Sarswati SHG” promoted by D-RUDSETI. She availed internal loans regularly from her SHG. She is running a tea stall at home. She is earning a profit of Rs.4,000/- per month on an average.

Neelavva S Kajgar At Post : Antrolli, Tq: Haliyal (U.K.) She belongs to a poor family. She joined “Shri Laxmi SHG” promoted by D-RUDSETI. She availed the internal loan of Rs.10,000 & Rs.25,000 under SGSY scheme from Syndicate Bank. She has started selling bangles. She is earning Rs. 4,000/- per month on an average.

8 Vandana S Mullori At/ Po: Hunuswad, Tq: Haliyal (UK) She is member of “Bhagyashri SHG” promoted by D-RUDSETI. She availed an internal loan of Rs.5,000/- from her SHG and invested Rs.15,000/- on her own. Running a petty Shop. She is earning a profit of Rs.3,000/- per month on average.

Laxmi Badiger At/Po : Agasalakatta, Tq: Haliyal ( U.K. ) She belongs to poor family. She joined “Shri Laxmi SHG” promoted by D-RUDSETI. She availed a loan of Rs.14,000/- from her SHG under SGSY Scheme. She is running a small petty shop & earning Rs.2,000/ per month on an average.

Kashavva Iranna Kajgar At/ Po: Antrolli, Tq: Haliyal (U.K.) She is a very poor woman who belongs to labour class. Member of “Shri Bhakambika SHG”. She was running a petty shop. She availed internal loans regularly and repaid promptly. She kept on expanding the business out of loan proceeds. Earning a profit of Rs. 3,000/- per month on an average.

Meenakshi Shivappa Bhajantri At/Post : Tergaon, Tq: Haliyal (UK) Belongs to Poor family. She joined “Shri Gramdevi SHG” promoted by D-RUDSETI. She availed Rs.10,000/- from the Bank and Rs.15000 as internal loan. She is selling vegetables. She is earning a profit of Rs.2,500/- per month on an average.

9 Sunita Ramesh Sonar Subash Road, Haliyal (U.K.) She joined Shri Nidhi SHG promoted by D-RUDSETI. She wanted to support her family financially. She availed an internal loan of Rs.5,000/- from her SHG. She is preparing Roti and selling the same . She is earning a profit of Rs.3,000/- pm on an average.

Rukma Mugali At/post: Tergaon, Tq: Haliyal (N.K.) Belongs to cloth weavers' family. She was financially poor and was searching for an avenue for financial assistance. As per advice of D-RUDSETI officials, she joined “Kalikadevi SHG”. She started savings regularly and availed internal loans from the SHG to improve the quality of her life. She also availed bank loan of Rs.10,000/- through her SHG. She improved her yarn spindles work. She is earning Rs. 5,500/- per month on an average.

10 MUNDGOD

Date of Opening of the Centre : 2nd September 2005 Coverage : Entire Mundgod Taluk Sub Centre : Malagi

Centre has given adequate attention for formation, training and capacity building of SHGs. Centre has also focused on conducting various community development programmes and livelihood programmes.

Significant Achievements: 5643 members were covered under 470 SHGs Rs.221.20 Lakhs mobilized as savings by SHGs Rs.427.61 Lakhs credit availed from bank by SHGs 1073 SHG members commenced livelihood activities and are earning Rs.1500/- p.m on an average 223 Rural Development Activities organized to educate 24926 rural folk Under Janashree Bima Yojane of LIC of India 4219 SHG members insured. Under Janashree Bima Yojane of LIC of India 741 children of SHG members received scholarship to the tune of Rs. 4,44,600/-. Under Janashree Bima Yojane of LIC of India 13 death claim were settled amounting to Rs. 3,90,000/-.

11 PROFILE OF SETTLED SHG MEMBERS – MUNDGOD CENTRE

Rahimbi Kharimkhan Kalaghatagi At: Nandikatta Tq: Mundgod (U.K.) A very poor woman who hails from labour class. Her husband was also a labour . The family was struggling for livelihood and also educating their 2 children. She joined Vaibhavalaxmi SHG promoted by D-RUDSETI Mundgod. Attended trainings and was motivated to start petty shop. She got Rs.12000/- loan from SHG and opened petty shop and earning Rs.2000/- per month on an average. Now she is able to maintain the family and provide education to the kids. Laxmavva Chalamatti At: Koppa Tq: Mundgod (UK) Laxmavva is a 45 years old woman. She was an agriculture labour, and was maintaining a small petty shop. She joined “Deverakrupa SHG” in 2008 and started savings. She availed Rs.20,000/- loan from her SHG and started bangles selling business along with the petty shop. She got business opportunity guidance from Deshpande RUDSETI. She is earning a profit of Rs.5,000/- per month on an average.

Gangamma Patil At: Rampur Tq: Mundgod (UK) An aged woman who hails from poor family. She Joined “Sanjeevini SHG” promoted by D-RUDSETI, Mundgod. She could not go for labour work due to ill health. She got counseled and motivated by D-RUDSETI to do something for her livelihood. She started a small petty shop cum tea stall at home itself. She availed a loan of Rs.5,000/- from her SHG. She is earning Rs.3000/- per month excluding her repayment of loan availed through SHG.

Marekka Bharamanna Bhovi At: Majjigeri Tq: Mundgod (UK) Marekka belongs to agricultural family. She has only 2 acres of land for livelihood. She has 4 children and her agriculture income was not enough to meet the family expenditure. She joined “Maruti Farmers Self Help Group” promoted by Deshpande RUDSETI, Mundgod. D-RUDSETI, Mundgod centre trained this SHG under wormy compost making training. They approached KVG Bank and availed a loan of Rs. 3.5 lakhs under SGSY scheme with Rs.1.25 lakh as back end subsidy. All members have started wormy compost units and earning Rs.2,000/- per month on an average. 12 Jayalaxmi Arkasali At: Bhadrapur Tq: Mundgod (UK) Jayalaxmi is a house-wife who belongs to poor family. She was looking after a small petty shop to run the family. She was also engaged as agricultural labour. She joined “Malik Rehan” SHG promoted by D-RUDSETI. She availed the loan from her SHG and improved the business with more investment. She is earning more than Rs. 5,000/- per month on an average.

Somavva Channabasayya Shigatti At: Hungund Tq: Mundgod (UK) Somavva is a 45 year old woman who belongs to poor agricultural family. She joined “Nityaniranjana SHG” promoted by D-RUDSETI in 2007. She got 1.20 lakhs loan and started vermicelli making and chilly powder making unit. She is earning Rs.6000/- per month on an average. Her loan repayment is also regular. She is supporting D-RUDSETI to start new SHGs in her area.

Muzubunnisa Babusab Borawale At: Bhadrapur Tq: Mundgod (UK) She belongs to labour class family. She is a member of “Banashankari SHG” promoted by D-RUDSETI. She availed a loan of Rs. 20,000/- from her SHG through financial support from bank. She also invested on her own and started dairy. She has created employment opportunities by engaging her son in dairy. She is selling 10 liters of milk per day and earning Rs. 4500/- per month on an average.

Dadapeer Hanifsab Bepari At: Koppa Tq: Mundgod (UK) A 35 year old poor man who was desperately looking for his livelihood. He belongs to labour class. He joined “Vijay SHG” promoted by D-RUDSETI. He got motivated by several IGP trainings conducted for his SHG. He started selling fruits near Tibetan colony. He is improving his business by availing regular internal loans from his SHG. He is earning Rs.18000/- profit per month on an average out of his daily turnover.

13 Kamalavva Basavanneppa Harijan At: Indiranagar Tq: Mundgod (UK) A 52 year old woman who belongs to poor family. She has only half acre of agriculture land. She maintains her family by doing labour work. She joined “Indira Gandhi SHG” promoted by D-RUDSETI. She got Rs. 70,000/- loan under govt. scheme through her SHG. She started dairy activity. She is also growing Jasmine flowers in her land. She is getting an average income of Rs.6,000/- per month

Sharada Sunagar At: Gandhi Nagar Tq: Mundgod (UK) A 40 year old woman who belongs to poor family. Both husband and wife are engaged as agriculture labourers. She could not provide good education to her children due to poverty. She was also thinking of engaging her children to do labour work. D-RUDSETI officials motivated her to join “Ganga Self Helf Group” After several income generation trainings she got motivated. She availed the loan of Rs.25,000/- from her SHG and started selling fishes. She is earning Rs.5000/- per month on an average.

Basavva Irappa Kamadolli At: Hungund Tq: Mundgod (UK) Basavva is a 40 year old woman. She joined “Vijayalaxmi SHG” promoted by D-RUDSETI. She is doing savings of Rs.50 per month in her SHG since 4 years. After attending various SHG trainings, she got an awareness of supporting her family financially also. She started floriculture in her 2 guntas of land. Approximately, she is growing 4 KGs s of Jasmine flowers every day. She is earning Rs.7500/- per month on an average by selling them.

Jayamma B.L. At: Kundargi Tq: Mundgod (UK) Jayamma was a poor lady from labour class. Her husband died after two years of her marriage. She went back to her father's home to start a new life. She was desperately aspiring for her own source of income. Jayamma joined “Adishakti SHG” promoted by D-RUDSETI. She availed Rs. 20,000/- loan from the SHG through bank support. She purchased a H.F. Cow and started dairy activity. After 1 year, she purchased one more cow. First cow gave birth to one female calf. She started selling 13-18 litres of milk per day on an average. Her profit ranged from of Rs.6000/- to Rs.9000/- per month on an average. 14 Sundravva Razayi At: Indoor Tq: Mundgod (UK) She is 35 year old housewife who belongs to poor family. The family was engaged in agriculture labour. She joined “Kusumanjali SHG” promoted by D-RUDSETI. She took 5 guntas of agriculture land on lease from other farmer. She started availing internal loans from SHG for doing agriculture. She is growing specific types of vegetables namely Tasty green which is consumed by Tibetans in the colony. She is also engaged in purchase and sale of other vegetables in the market along with her husband. They are also doing fishery business by maintaining a pond nearby their house. They are earning Rs.20,000/- per month on an average. Anasuya Desai. Gandhinagar Mundgod (UK) Anasuya is a 38 year old woman. She was doing tailoring work at her home before joining “Ganga SHG” promoted by D-RUDSETI. After attending various IGP programmes, she got motivated for tailoring in a professional way. She started a ladies tailoring shop called “Soumya Tailors” on Bankapur road. She availed a loan of Rs.35,000/- from her SHG. She started selling cloths also in her tailoring shop. She is earning Rs.10,000/- per month on an average.

Shoba Ashok Nemannavar At: Nandikatta Tq: Mundgod (UK) Shoba is 25 year old woman who belongs to labour class family. Both husband and wife were maintaining the family by manual labour work. She joined “Gayatri SHG” promoted by D-RUDSETI in 2007. She has undergone various trainings conducted by D-RUDSETI. She got motivated to start bricks making business in 2009. She got exposure and finical assistance from her SHG regularly. She invested Rs.50,000/- initially and started the business. Her business improved over a period of time. Her total investment in bricks making business has now reached to Rs.4.00 lakhs. Now she is earning Rs. 3.00 lakhs profit per annum on an average. Now both husband and wife are looking forward to purchase own land for the purpose of making bricks. Munarabi Moulasab Dundashi At: Hungund Tq: Mundgod (UK) A 42 year old woman who hails from poor family. Her family was dependent on small petty shop. She joined Khadaraling SHG 4 years back and started savings. She has undergone trainings conducted by D-RUDSETI and was motivated to start cold drinks business. She got Rs.20000/- loan from SHG and started cold drinks business. Her monthly turnover is Rs.10000/- and getting Rs.6000/- net profit out of this business on an average. She is thankful to D-RUDSETI for the hand holding service.

15 Drakshyanavva Ningappa Kurubar At: Bhadrapur Tq: Mundgod (UK) A middle aged woman who belongs to poor family. She is also working as an Agricultural labour. She joined “Bhuvana SHG” promoted by D-RUDSETI. She got loan from her SHG and started selling bangles at home. She is earning Rs. 4500/- per month on an average.

Laxmavva Sunagar At: Gandhi Nagar Tq: Mundgod (UK) A 40 year old woman who belongs to poor family. Laxmavva was a house wife and was looking for avenues for income generation. She joined Ganga SHG promoted by D-RUDSETI and availed Rs.20000/- loan. She purchased 5 goats. After two years she sold 10 goats and earned Rs.60000/- profit. Now she has 15 goats. She is sending her 2 children to school. She is saving Rs. 3000/- per month and eager to save more money. Ratnabai Satyavijay Mesta At: Balekoppa Tq:Mundgod (UK) Ratnabai is a 45 year old woman who belongs to poor family. She has a small land and it is barren due to legal dispute. She was not willing to go for labour work. She wanted to do some business on her own. She joined “Nandini SHG” promoted by D-RUDSETI 3 years back She has undergone different SHG trainings conducted by the Institute. She got an idea to start dairy activity. She invested money on her own and some amount from her SHG as a loan. Now she has 4 cows in her shed and selling milk worth of Rs.400/- on an average per day. She is earning a profit of Rs.7500/- per month on an average out of this activity. Sudha Mohan Revanakar Forest quarters, Mundgod (UK) Sudha is a 46 year old widow . Her husband was working as a daily labor in forest department. He died 2 years back accidentally. She lost the confidence to lead the life with two children after her husband's death . Forest department gave the seasonal labor work to her son. It was a very difficult period for this family to sustain on seasonal income . She joined “Daneshwari SHG” and she expressed her difficulties to the SHG representatives. SHG members helped her to make garlands with flowers. She also took the guidance of D-RUDSETI to procure the flowers on wholesale basis. 16 Shobha Parashuram Kumbar Deshpande Nagar, Mundgod ( UK) Shobha is a 42 years old woman. She was very poor and leading her life by selling of mud pots. She joined “Shri Renuka women SHG” in 2009 promoted by D- RUDSETI. She regularly saved the money in SHG and availed the internal loan facility too. She availed Rs.5,000/- loan from her SHG and improved pottery business. She started manufacturing of earthen stove also. Now her monthly income on an average is Rs.4500/-. She is thankful to Deshpande RUDSETI for bank linkage and training. Manjunath Narayan Shimri At: Koppa Tq: Mundgod (U.K.) A 36 years old youth who belongs to poor family. He could not continue his education after SSLC. He started working as agricultural labour. He joined “Siddarudha SHG” promoted by D-RUDSETI, 5 years back. He initially started electrical and electronic repair work at home. He got Rs. 45,000/- loan from the bank and started “Vijayalaxmi Electronics Servicing Shop” at Mundgod. His is earning Rs.9000/- per month on an average at present. He expresses his gratitude to Deshpande RUDSETI for enabling him to take up self employment.

Padmaraj Nagaraj Neeralagi At: Tattihalli Tq: Mundgod (U.K.) A young man, Mr. Padmaraj belongs to poor family. He is a member of “Shivashakti SHG” promoted by D-RUDSETI, Mundgod. He started grocery Shop with his own investment and SHG loan of Rs.20,000/-. He is earning Rs. 9,000/- profit per month on an average. He is now leading comfortable life in his village. He is expressing his gratitude to D-RUDSETI for guiding him in establishing his business.

Gouravva Guddappa Harijan At: Kusur, Tq: Mundgod (U.K.) Gouravva is a 40 years old physically challenged woman. She is leading her life by running a petty shop. She joined “Laxmi SHG” promoted by D-RUDSETI, 4 years back. She availed a loan of Rs.20, 000/- from her SHG. She improved her shop with financial support of her SHG. Her monthly income has improved from Rs. 3000/- to Rs.6000/- on an average.

17 Sujata Chittargi At/Po: Nandikatta Tq: Mundgod (UK) A 35 year old woman who belongs to poor family. She joined Makarajyoti SHG, promoted by D-RUDSETI, Mundgod. She availed a loan of Rs.25,000/- from her SHG . She opened a Chilly Powder Making Unit. She is earning Rs 2,000/- per month from Chilly powder unit. She is also running a small hotel and earning Rs. 1,500/- per month on an average. She is repaying the loan promptly.

18 DANDELI

Date of Opening of the Centre : 31st March 2007 Coverage : Entire Dandeli city and few neighbouring villages

During the year, Dandeli extension centre has focused more on livelihood programmes for SHG members. Mahila Graha Udyog Lijjat Papad Unit: Due to the continued efforts of the Chairman and management members of the Board, the Lijjat Papad Making unit was established at Dandeli with a sole objective of providing wage earnings to SHG members. About 100 SHG members are involved in this unit. Vimalabai Apparels Training Cum Production Centre: To enable the rural and semi urban youth to seek gainful wage employment in Garment Industry and to establish self employment activities, a fully equipped Apparel Training Cum Production centre has been setup at Dandeli in 2008, with the support from Zilla Panchayath, Karwar. Significant Achievements: 4405 members were covered under 338 SHGs Rs.160.31 Lakhs mobilized as savings by SHGs Rs.188.74 Lakhs credit availed from bank by SHGs 756 SHG members commenced livelihood activities and earning Rs.1500/- p.m. on an average 209 Rural Development Activities organized to educate 16111 rural folk Under Janashree Bima Yojane of LIC of India, 1420 members insured Under Janashree Bima Yojane of LIC of India,209 children of SHG members received scholarship to the tune Rs. 1,25,400/- Under Janashree Bima Yojane of LIC of India,5 death claim were settled amounting to Rs. 1,50,000/-

19 PROFILE OF SETTLED SHG MEMBERS –DANDELI CENTRE

Smt Aruna Shrinivas Reddy At/Po: Ambikanagar Tq: Haliyal (UK) A Housewife belonging to middle class family. She had a dream of providing financial support to her family. She got counseled by D-RUDSETI officials and undergone tailoring training. She invested Rs. 10,000/- on her own and purchased one high speed machine. Started Stitching of Clothes. She is earning Rs.5,000/- p.m. on an average.

Smt Laxmi Ramachandra Hebbar At/Po: Kogilban, Tq: Haliyal (UK) She is a housewife who hails from a business family. Studied up to PUC. Her husband was running a small hotel. But the income was not sufficient to meet their needs. She joined “Shri Mata SHG”. Undergone Tailoring Training at D-RUDSETI. She purchased a motor operated Sewing Machine with an investment of Rs. 15,000/-. Earning 6000/- per month on an average.

Rajashree A Bendre, H.No.150, Basaveshwar Nagar, Dandeli A house wife who belongs to middle class family. She is a B Com Graduate. She joined “Om Shakti SHG” promoted by D-RUDSETI to support her family . She has undergone Tailoring Training . Availed the loan of Rs 8,000/- from SHG. She Invested Rs. 10,000/- totally. Started ladies tailoring business at her house . She is earning a profit Rs. 5,000/- per month on an average.

Jyoti D Pavale Near Rotary School, Dandeli A poor woman and a member of Om Mahila SHG which is 5 years old having 14 members. Educated up to 7th class. Undergone EDP Training. Availed loan of Rs 20,000/- from Corporation Bank. Started ladies tailoring work at her house. Earning a net profit Rs. 7,000/- per month on an average.

20 Smt. Komal S Mirashi At/Po: Ambikanagar, Tq: Haliyal (U.K) She belongs to middleclass family. Studied up to PUC. Being housewife, she had a dream of supporting her family financially also. She has undergone Tailoring training at Ambikanagar conducted by D-RUDSETI. She started the tailoring work at home by purchasing one sewing machine. Her income improved gradually and presently earning Rs.3000/- per month on an average. Arati Parashuram Patil, Kogilban, Dandeli She is a house wife who belongs to poor family. Member of Kogile SHG . She has completed SSLC. Undergone EDP Training. Availed loan of Rs 10,000/- from Corporation Bank and invested Rs.3000/- as her personal contribution. Running ladies tailoring unit at her house. Earning a net profit Rs. 5,000/- per month on an average.

Geeta Bhagathsing Rajaputh, Lambani Chal, Old Dandeli (UK) She is a member of Sahara Mahila SHG which is 8 years old. A House wife who belongs to middle class family. Educated up to 7th class. She had a dream of doing grocery shop. She availed a loan of Rs.25000/- from Syndicate Bank and invested Rs.70,000/- on her own. Started a “General Store” in her locality . Now she is earning a profit Rs. 6,500/- per month on an average.

Mansoora Shamsuddin Kotikoppa, Tagadin Chal, Old Dandeli (UK) A house wife who belongs to middle class family. She joined SHG called Shahed Mahila SHG 5 years back. She wanted to support her family financially also . She has undergone various IGP trainings conducted by D-RUDSETI. She availed a loan of Rs.35000/- from Syndicate Bank and invested her own fund of Rs.65000/- to start the business. She started preparing and selling bakery and chat items. Presently she is earning a profit Rs. 15,000/- per month on an average. 21 Nilavva Kumbar Kogilaban, Dandeli A house wife whose family occupation is pottery. Educated up to 5th class. She joined SHG called Srimata SHG promoted by D-RUDSETI. She availed loan of Rs. 10000/- and started making pots. She is selling the pots and earning Rs.4000/- per month on an average.

Smt Mani P Benni At/Po: Ambikanagar, Tq: Haliyal (UK) 46 year old lady who belongs to poor family. Being a widow, it was a must for her to earn her livelihood. She joined “Nataraj Self Help Group” promoted by D-RUDSETI. She availed a loan of Rs.8,000/- from her SHG. She started a Tea stall at her home. She is earning a profit of Rs.3,500/- per month on an average.

Kasturi Shivangouda Bhadrakali, H.No.06, Ashraya Colony, Gandhi Nagar, Dandeli A house wife who belongs to middle class family. She is member of Navodaya SHG promoted by D-RUDSETI since 5 years. She availed a loan of Rs 25,000/- from SHG and also invested Rs.25,000/- to start the cold drinks shop. She is running a General Store and Cool drinks Centre. Earning a net profit Rs. 7,500/- per month on an average.

Tabasum A Shekh, E W S Qts. House No-157, Ambevadi, Dandeli A house wife who belongs to poor family. She was facing financial constraints to maintain the family. She joined SHG called Kiran Mahila SHG promoted by D-RUDSETI 3 years back. She availed loan of Rs 25,000/- from Corporation Bank and Rs.10,000/- from her SHG to start the business. She started selling Clothes. Presently she is earning a profit of Rs. 6,500/- per month on an average. 22 Mahabubi Gous Naiker Patel nagar, Old Dandeli, Dandeli (UK) Belongs to a poor family. Studied upto 4th Std. She joined Samata SHG promoted by D-RUDSETI to overcome the financial constraints. Joined Lijjat papad training given by D-RUDSETI. Presently she is preparing Lijjat papads. She is earning Rs.4500/- per month on an average.

Chamundeshwari Aprela Kogilaban, Dandeli Belongs to a poor family. Studied upto 6th std. She joined Momini SHG promoted by D-RUDSETI to overcome the financial constraints. She availed loan of Rs.5000/- from Corporation Bank. She started a Egg Centre. Presently she is selling eggs and other items. She is earning a profit of Rs.4000/- per month on an average.

Laxmi Mahila Self Helf Group At: Ambikanagar Tq: Haliyal (UK) A SHG of 12 poor women called “Laxmi Mahila Self Help Group” promoted by D-RUDSETI. Most members of this group are illiterates and belong to labour class. They identified Sheep Rearing as their income generating activity. The SHG got a loan of Rs.1,50,000/- from Syndicate Bank, Ambhikanagar through D-RUDSETI efforts. They are expecting good profit by selling wool and sheep for mutton.

Muktumbi Kutubbudin Hubballi Patel nagar, Old Dandeli, Dandeli Belongs to a poor family. Studied upto 4th Std. She joined Suraj SHG promoted by D-RUDSETI to overcome the financial constraints. She availed loan of Rs.20,000/- from Syndicate Bank. She is purchasing Papadis at wholesale rate and distributing to the petty shops . Presently she is earning Rs.5000/- per month on an average.

23 Savitri Mallesh Olekar Navagram, Dandeli Belongs to a poor family. She joined Dipvikas SHG promoted by D-RUDSETI to overcome the financial constraints. She availed loan of Rs.10000/- from Corporation Bank. She opened a General Stores. Presently she is earning Rs.3500/- per month on an average.

Gangamma Ramanna Madar Kogilbana, Dandeli She is a house wife who belongs to poor family. Joined Shivashakti SHG 3 years back. Availed loan of Rs 10,000/- from Syndicate Bank and invested Rs.3000/- as her personal contribution. Selling fruits at J N Road Dandeli. Earning a net profit Rs. 4,000/- per month on an average.

Sharda S Guttedar At /Po: Ambikanagar, Tq: Haliyal (UK) She is a member of Laxmi Self Help Group promoted by D-RUDSETI. She is a 52 year old woman who belongs to a poor family. She availed a loan of Rs.8,000/- from her SHG and started Poultry. Earning Rs.4,000/- per month on an average.

Mahabubi M Kittur Ganesh Nagar, Dandeli She is a house wife who belongs to a middle class family. She joined Prakruti SHG which is 5 years old. She started Cloth selling business. She invested Rs 40,000/- with a loan support from Syndicate bank and Invested Rs. 10,000/- with support from SHG. Now earning a net profit Rs. 6,000/- per month on an average.

24 Mugutbi I Hubballi. DSFA Road Patel nagar, Dandeli She is a house wife who belongs to middle class family. Member of Mallik rehan SHG. Availed bank loan of Rs 1,70,000/- from Syndicate bank and Invested 1,30,000/- own fund. Purchased Maruti Omni Car for her son and he is running it on hire basis at Dandeli. Earning a net profit Rs. 10,000/- per month on an average.

Smt Ranjit Ramesh Mugudum At/Po: Ambikanagar Tq: Haliyal (UK) She is a housewife and Studied up to PUC. She belongs to business family. She joined Ayyappa Swamy Self Help Group. She has undergone various IGP trainings and got motivated. She Invested Rs. 50,000/- on her own. She has availed loan from her SHG for her business. She started selling steel utensils and cloth by hiring a shop. She is earning a profit of Rs. 8,000/- per month on an average.

25 JOIDA

Date of opening of the Centre : 1st April 2008 Area covered : Entire Joida Taluk Sub Centre : Ramanagar

Institute desired to provide all community support to empower the rural women of Joida Taluk, the most backward taluk of the state. Institute is concentrating on promotion of SHGs, providing Basic Orientation to SHG members, creating awareness among SHG members for social and economic development.

Significant Achievements: 1648 members were covered under 139 SHGs Rs.25.57 Lakhs mobilized as savings by SHGs Rs.53.48 Lakhs credit availed from bank by SHGs 111 SHG members commenced livelihood activities and earning Rs.1500/- p.m. on an average 71 Rural Development Activities organized to educate 4232 rural folk Under Janashree Bima Yojane of LIC of India 602 members insured Under Janashree Bima Yojane of LIC of India 115 children of SHG members received scholarship to the tune of Rs. 69,000/-. Under Janashree Bima Yojane of LIC of India 1 death claim was settled to the tune of Rs. 30,000/-.

26 PROFILE OF SETTLED SHG MEMBERS – JOIDA CENTRE

Sangeeta Raosab Patil At/Post: Ramnagar, Joida (N.K.) Belongs to middle class family. Educated up to B.A. She wanted to be a financial supporter to her family. She joined “Navahinda SHG” promoted by D-RUDSETI. Availed bank loan of Rs. 25,000/- and running a “Beauty Parlour” shop at Ramnagar. Earning Rs 7,000/- per month on an average.

Anandi Laxman Mirashi At/Post: Timboli, Joida (N.K.) Belongs to a poor family. She joined “Kalikamata SHG” promoted by D-RUDSETI. She took a loan of Rs 10,000/- from her SHG. Invested her own funds of Rs. 20,000/- and started vegetable cultivation. Her husband assists her in selling the vegetables. She is earning a profit of Rs 6,500/- per month on an average.

Rama Vasudev Savant At/Post: Tinaighat, Joida (N.K.) She hails from a middle class family. Studied up to S.S.L.C. She joined “Sri Krishna SHG” promoted by D-RUDSETI. She took a loan of Rs 10,000/- form her SHG. She Invested Rs. 50,000/- and started the “Readymade Garments shop” at Ramnagar. Earning a profit of Rs 7,500/- per month on an average.

Samrudhi Shashikant Devdhar At/Post: Jagalbet, Joida (N.K.) She hails from a poor family. She joined “Sampati SHG” promoted by D-RUDSETI. Availed a loan of Rs 5,000/- from her SHG. Invested Rs 10,000/- on her own and started the business of selling Bangles at Jagalbet. Earning a profit of Rs 3,000/- per month on an average.

27 Madhuri Mahadev Palkar Karwar Road, Ramnagar, Joida (N.K.) Belongs to Agricultural family. Studied up to 8th std. She joined “Saraswati SHG” promoted by D-RUDSETI. Availed bank loan of Rs. 50,000/- and Rs .6,000/- from SHG. Opened own “Ceramic Tiles” sales shop at Ramnagar. Earning a profit of Rs 6,000/- per month on an average.

Minakshi Mohan Pisolkar At/Post: Sitawada, Joida (N.K.) She hails from middle class family. Studied up to S.S.L.C. She joined “Betal SHG” promoted by D-RUDSETI. She availed a loan of Rs 5,000/- from her SHG. Invested of Rs 60,000/- on her own for the business. Running her own “Kirani & General Store” at Ramnagar. Earning a profit of Rs 5,000/- per month on an average.

Drupati Amruth Desai At/Post: Timboli, Joida (N.K.) She hails from a poor family. She is 48 years old woman. She joined “Kalikamata SHG” promoted by D-RUDSETI. Availed a loan of Rs 5,000/- from her SHG. Invested Rs 10,000/- and Started business of “Vermi Composting” at Timboli. Earning a profit of Rs 4,000/- per month on an average.

Rukmini Krishna Singargoankar At/Post: Jagalbet, Joida (N.K.) Belongs to middle class family. She studied up to S.S.L.C. She joined “Bhavani SHG promoted by D-RUDSETI. Availed a loan of Rs 26,000/- from her SHG. She Invested Rs. 10,000/- on her own. Opened a vegetable shop at Jagalbet. Earning a profit of Rs 3,500/- per month on an average.

28 Geeta Ajeet Tengse At/Post: Hudsa, Tq; Joida (N.K.) Belongs to middle class family. Studied up to PUC. She joined “Sri Ganesh SHG” promoted by D-RUDSETI. Availed loan of Rs 20,000/- from her SHG. Invested Rs. 5,000/- on her own and doing Dairy activity at Jagalbet. She is helping her husband for maintaining “Green Valley” a resort owned by them. Earning a profit of Rs 4,000/- per month on an average.

Uma Mahesh Kumbhar Near ramling new temple, Ramnagar, Joida (N.K.) She hails from a poor family. She is a 30 year old woman. Studied up to S.S.L.C. She joined “Renuka Devi SHG” promoted by D-RUDSETI. Availed bank loan of Rs. 5,000/- and got Rs .6,000/- loan from SHG. Invested Rs 30,000/- for the business. Opened own “Cement Sheet” sales shop at Ramnagar. Earning a profit of Rs 8,000/- per month on an average.

Yashmin Hussainsab Mujawar At/Post: Jagalbet, Joida (N.K.) Belongs to middle class family. She joined “Bismilla SHG” promoted by D-RUDSETI. She took loan of Rs 12,500/- from her SHG. Invested her own funds of Rs 10,000/- and started selling Fish at Jagalbet. Earning a profit of Rs 4,000/- per month on an average.

Sumangala Shivanand Kammar At/Post: Bapeli Cross, Joida (N.K.) Belongs to a poor family. Studied up to PUC. She joined “Sri Yallamma SHG” promoted by D-RUDSETI. She took loan of Rs 20,000/- from her SHG. Invested Rs. 5,000/- on her own and opened a “Sonali Tea Stall & Kirani Shop” at Jagalbet. Earning a profit of Rs 4,000/- per month on an average.

29 Santoshi Mata SHG At/Post: Ulvi, Joida (N.K.) 10 members have started the “Santoshi Mata SHG” promoted by D-RUDSETI. They availed SGSY loan of Rs 80,000/- from KVGB Bank, Ulvi and invested Rs.30,000/- out of their group savings. They have started the business of manufacture and sale of Candles at Ulvi. Total earnings of Rs 10,000/- per month on an average.

Nafisa Mahammad Khalifa Main Market Road, Ramnagar, Joida (N.K.) Belongs to middle class family. She is a 40 year old woman. Studied up to 5th std. She joined “Kirti SHG” promoted by D-RUDSETI. She took a loan of Rs 10,000/- from SHG. Invested Rs 25,000/- on her own for the business. Running own “Cold Drinks” Shop at Ramnagar. Earning a profit of Rs 5,000/- per month on an average.

Abeda Rustum Mujawar At: Jagalbet, Joida (N.K.) Belongs to a poor family. She joined “Bismilla SHG” promoted by D-RUDSETI. She took a loan of Rs 10,000/- from her SHG. Invested Rs. 5,000/- on her own. She started selling bangles. Earning a profit of Rs 3,500/- per month on an average.

Mallikarjun SHG At: Henkol, Joida (N.K.) 10 members of Henkol village have started the “Sri Mallikarjun SHG” promoted by D-RUDSETI. They availed SGSY loan of Rs 2,00,000/- from KVGB Bank, Ulvi and invested Rs.50,000 out of groups savings. They have started the business of manufacture and sale of Bricks. They are selling 90,000 to 1,00,000 bricks per year. Earning a profit Rs.5,000/- per month.

30 Shila Merry Varghese Main Market Road, Ramnagar, Joida (N.K.) She hails from middle class family. Studied up to S.S.L.C. She joined “Dhanashri SHG” promoted by D-RUDSETI. She took a loan of Rs 10,000/- from her SHG. Invested her own funds of Rs 60,000/- for the business. She is doing tailoring and also selling readymade garments. She has been able to earn Rs 10,000/- per month on an average.

Afzal Mahammadhussain Sadiq At/Post: Jagalbet, Tq: Joida (N.K.) Belongs to poor family. Studied up to 5th std. He joined “Islamiya Men SHG” promoted by D-RUDSETI. He got a loan of Rs 25,000/- from his SHG. Invested Rs. 10,000/- on his own. Opened his Vehicle Repairs Garage at Jagalbet. Earning a profit of Rs 5,000/- per month.

Pooja Krishna Desai At/Post: Ramnagar, Joida (N.K.) She hails from a poor family. Studied up to S.S.L.C. Undergone “Dress Designing for Women” training. Invested Rs 10,000/- and opened a tailoring shop at Ramnagar. Earning a profit of Rs 5,000/- per month on an average.

Raziya Jahangir Mirakoppa At/Post: Jagalbet, Tq: Joida (N.K.) She hails from a poor family. She joined “Bismilla SHG” promoted by D-RUDSETI. Availed loan of Rs 10,000/- from her SHG. Invested of Rs 5,000/- on her own and opened a Tea Shop at Jagalbet. Earning a profit of Rs 3,000/- per month on an average.

31 Rukmini Goraknath Jogi At/Post: Ramnagar, Joida (N.K.) Belongs to middle class family. She joined “Dhanashri SHG” promoted by D-RUDSETI. She started a stationary shop at Ramnagar. She kept on improving the shop by taking loan regularly from her SHG. Earning a profit of Rs 3,500/- per month on an average.

Neeta Ramesh Desai At/Post: Jagalbet, Tq: Joida (N.K.) Belongs to middle class family. Studied up to PUC. She joined “Sri Shanta SHG” promoted by D-RUDSETI. Availed a loan of Rs 25,000/- from her SHG. Invested Rs 15,000/- on her own and opened “Stationary & Xerox Shop” at Jagalbet. She is getting an income of Rs 5,000/- per month on an average.

Lalita Mallikarjun Hagi At/Post: Ramnagar, Joida (N.K.) She hails from middle class family. Studied up to 8th std. She joined “Dhanashri SHG” promoted by D-RUDSETI. She opened a “Vagesh General Store” at Ramnagar by availing loan from SHG. Now the total Investment in business is Rs 65,000/-. She is earning a profit of Rs 8,000/- per month on an average.

Dyammava Huligeppa Kalliguda At/Post: Jagalbet, Joida (N.K.) Belongs to a poor family. She joined “Sri Santoshi Mata SHG” promoted by D-RUDSETI. She took a loan of Rs 13,000/- from her SHG & purchased 5 goats. Invested Rs 4,000/- on her own for constructing shed. She is earning Rs.2000/p.m. on an average.

32 Sneha Tulasidas Bhamekar Krishna Galli, Ramnagar, Tq: Joida (NK) Belongs to a poor family. Studied up to S.S.L.C. She joined “Shanta Durga SHG” promoted by D-RUDSETI. She took a loan of Rs 5,000/- from her SHG. Invested her own funds of Rs 5,000/- and running “Tea Shop” at Ramnagar. Earning a profit of Rs 6,500/- per month on an average.

Jamila Khaji At/Post: Ramnagar, Joida (N.K.) Belongs to a poor family. Studied up to 5th std. She joined “Dhanashri SHG” promoted by D-RUDSETI. She took a loan of Rs 18,000/- from her SHG. Invested her own funds of Rs. 15,000/- and started “Chicken Centre” at Ramnagar. Earning a profit of Rs 3,000/- per month on an average.

33 Deshpande RUDSETI (Regd.) Haliyal.

Addresses of Extension Centres

Extension Centre Haliyal Udyog Vidya nagar Dandeli Road Haliyal (UK) - 581329 Ph No.08284-220807

Extension Centre, Mundgod Near Mahalasa Rice Mill Sirsi Road, Mundgod (UK) - 581349 Ph No. 08301-222377

Extension Centre, Dandeli Hiremath Building Near DYSP Office Old Dandeli, Dandeli (UK) - 581325 08284-233166

Extension Centre Joida Ramesh Nayak Building Near Kannada Primary School Bus Stand Road Joida (UK) - 581186 Ph No.08383-282838

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