Annual Report
Financial Consumer Protection
‘Enhancing Financial Protection of Consumers in Particular Women Through Financial Literacy Initiatives’ http://www.cuts-international.org/CART/FCP/index.htm
(Proposal No. 1054, Sanction Letter No. O-11011/06/2016-CWF)
Annual Reporting Period May 19, 2017-May 18, 2018
Supported under Consumer Welfare Fund Department of Consumers Affairs, Ministry of Consumer Affairs, Food & Public Distribution, Government of India
Submitted by:
Consumer Unity & Trust Society (CUTS) D-217, Bhaskar Marg, Bani Park, Jaipur 302 016 Phone: 0141-5133259, 2282821 Email: [email protected]; [email protected] Website: http://www.cuts-international.org/cart
1. Background
In various studies and intervention, it is found that poor and vulnerable community specially women in rural areas are unable to come out of poverty due to poor saving and investment habits as well as 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, Govt. of India is implementing a project titled ‘Enhancing Financial Protection of Consumers in Particular Women through Financial Literacy Initiatives’ with following goal and objectives.
2. Goals and Objectives
The project is being implemented in two districts of Rajasthan: Chittorgarh and Bhilwara. There are 12 blocks in Bhilwara and 11 in Chittorgarh respectively. While Chittorgarh has 290 gram panchayats in 11 panchayat samitis, Bhilwara has 383 gram panchayats in 12 panchayat samitis. Thus in all, 23 panchayat samitis (blocks) of two districts are being targeted to cover maximum gram panchayats. The key goals and objectives of the intervention are: Build the capacities of the rural consumers specially 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 Overcome vulnerability and ensure the economic security of rural consumers by linking them with financial services and with the government/non-government development schemes.
3. Key Activities of the Project
Financial Consumer Protection Project is being implementing in all 12 blocks in Bhilwara district of Rajasthan State. Following are the key deliverables during the project period: Baseline Survey Identifying Consumer Groups focusing Women
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Production of IEC Materials District Level Launch First Round Training Identification of Community Based Facilitators (CBFs) Periodic Meetings for Consumer Groups Annual and Final Stakeholder’s Consultation and Dissemination Meeting at each District Head Quarter Second Round Training Final Stakeholder’s Consultation Project Dissemination and Advocacy Meeting Final Reports and Accounts
4. Activities Accomplished During the Year
4.1 Training of Enumerators
One-day training of surveyors was conducted at the CUTS Center for Human Development (CHD) Chittorgarh on June 06, 2017. Total 11 participants were attended in the training cum orientation including CUTS staff members. Deepak Saxena, Assistant Director; Amar Deep Singh, Sr. Project Coordinator; Aakansha Choudhary, Project Associate from CUTS CART.
Gauhar Mahmood Center Coordinator, Madan Giri Goswami Assistant Center Coordinator, Gaytri Moud, and Gourav Chaturvedi both Project Officers from CUTS CHD were participated and Arvind Purohit, Financial Literacy Coordinator Baroda Rajasthan Regional Rural Bank branch Pratapnagar was key resource person.
Arvind Purohit, Baroda Rajasthan Regional Rural Bank branch Pratapnagar FLC Coordinator was the subject expert in the meeting. More details: http://www.cuts- international.org/CART/pdf/Event_Report_Surveyors_Orientation_Meeting.pdf .
4.2 Baseline Survey in Bhilwara and Chittorgarh
Baseline survey was conducted in all the 23 blocks of two districts by the trained surveyors.
Quantitative research technique was used to collect responses, which consisted of structured schedule with closed-ended as well as open-ended questions.
The aim was to cover maximum area of each district. Taking 575 samples from each district enabled to cover maximum blocks of both covering maximum gram panchayats. Hence, the total sample size taken was 1150 covering two districts. There are in all 23 blocks in two districts: 12 in Bhilwara and 11 in Chittorgarh. Samples were collected from all 23 blocks. The quantitative survey focused on assessing the actual ground realities in the targeted areas.
Link: http://www.cuts- international.org/CART/FCP/pdf/Report_on_Enhancing_Financial_Protection_of_Consu mers_in_Particular_Women_through_Financial_Literacy_Initiatives.pdf
4.3 District Level Launch Meeting of Chittorgarh on August 17, 2017
To formally start the project, an inception meeting was organised at Hotel Padmini, Chittorgarh on August 17, 2017. It was attended by more than 120 participants from all the blocks of Chittorgarh and selected block of Bhilwara district. Female participation was more since project is more focused on women financial inclusion. As special guest Suresh Dhakad, MLA; Suresh Sharma, Chairperson of Chittorgarh Municipal Council; Narayan Singh Charan, Additional Collector-Chittorgarh; Sanjay Jhala, Deputy Director, Department of Consumer Affairs, Govt. of Rajasthan were present in inaugural session and deliver speeches. Gauhar Mahmood, CUTS welcomed the guest and George Cheriyan, Director CUTS made opening remarks. Amar Deep Singh presented project overview through a power point presentation and in the technical session, he presented key findings of baseline survey conducted under the project. Technical presentations were made by MP Kothari, Anil Jain, Sachin Badetia, Suresh Bhardwaj on various aspect of financial inclusion and schemes for common public. Deepak Saxena, CUTS moderated this session and. There was good media coverage of the event. Details at: http://www.cuts-international.org/CART/FCP/pdf/Project_Inception_Meeting- Chittorgarh.pdf 4.4 Project Inception Meeting in Bhilwara on September 6, 2017
A Project Inception Meeting was held at Kisaan Bhawan, Bhilwara Rajasthan on September 06, 2017. There were about 46 people including 25 women. The meeting was organised to officially kick start the project in Bhilwara though the work has already been in progress since May 2017. This being the second one after the main launch at Chittorgarh on August 17, 2017. More details can be seen at: http://www.cuts-international.org/CART/FCP/pdf/Project_Inception_Meeting- Bhilwara.pdf
4.5 Networking and Identification of Consumer Groups Focusing Women
Prior to start of field activities, networking with financial consumer stakeholders was consolidated by making personal visits to district and block level officers, Panchayat members, Anganwadi workers, ASHA, Gram Sathin, Self Help Groups members, networkers and consumer activists. Contact was also done with District Collector Bhilwara; Additional District Magistrate; CEO Municipal Corporation; District Development Manager, NABARD; Deputy Director, Department of Women and Child Development; Lead District Manager, Bank of Baroda and District Minority Welfare Officer. Simultaneously, the work of local level groups focusing women was also done, who were later involved in cluster level meetings.
4.6Cluster Level 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 In all 46 cluster meetings were organized during the year in two districts in two phases (23 each in each phase).
5 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.
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Following issues, topics and subjects were covered: Provided awareness, knowledge on saving, investments, loan, home budget planning Capacity building to rural consumers by enhancing their financial inclusion and financial involvement Process to open bank accounts and need of KYC Prime Minister Micro Insurance, Pension and Security schemes, Mudra scheme Credit Linkages for livelihood Grievance Redress Digital transaction and precaution while using Economic security by linking them with bank/post office/financial institution.
All these 46 cluster meetings (21 as reported in September-November, 2017 quarter and then 24 reported in December, 2017-February, 2018 quarter and now one remaining in this quarter in two phases in the first year have 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. Total 3131 (2891 women and 240 men attended the events, which got started in September, 2017 completed in two phase of 23 meetings in each phase.
The complete synthesis report of all the 46 trainings can be viewed at: http://www.cuts-international.org/CART/FCP/pdf/Synthesis_Report- Cluster_Level_Trainings_FCP_%20Project_Chittorgarh_and_Bhilwara.pdf
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
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(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 Colony Kapasan Chittorgarh 2nd 48 8 5 61 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
(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
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(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 kala Hurda Bhilwara II 68 0 6 74 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
4.7Periodic Meetings for Consumer Groups
After completing 46 cluster trainings in two phases in both the target districts, all the 23 periodic meetings were accomplished in 23 blocks of both the districts. Meetings were held in these places.
The purpose of these periodic meeting was to follow up with the community facilitators, which were identified during the 46 cluster trainings from two phases.
This activity has been reported along with the cluster trainings synthesis report as mentioned above.
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4.8 Annual Stakeholder’s Consultation and Dissemination Meeting at each District Head Quarter
As part of the last activities of the year one, the two Annual Stakeholder’s Consultation and Dissemination Meetings were held at Chittorgarh on 25th April, 2018 and at Bhilwara on 27th April, 2018 respectively. Meeting in Chittorgarh was on April 25, 2018, at Kisaan Bhawan. Around 104 participants attended the meeting. Dipendra Singh Rathore, Additional Chief Executive Officer, Zila Parishad (ACEO), Chittorgarh was present as chief guest and CP Joshi, Member of Parliament, Chittorgarh as special guest. Representatives from various blocks of Chittorgarh, Bank FLC and other stakeholders were also present.
The second Stakeholder’s Consultation was organized in Bhilwara on April 27, 2018 at Hotel Shagun. Around 82 participants were present in the meeting consisting of various stakeholders from different blocks of Bhilwara. Kalu Lal Gurjar, Mukhya Sachetak, Govt. of Rajasthan as a chief guest and Ms. Jayalaxmi Kannan, Under Secretary, Department of Consumer Affairs, Govt. of India as a special guest attended the meeting.
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The link of the reports are: http://www.cuts- international.org/CART/FCP/pdf/Report_on_FCP_Annual_Stakeholders_Meeting- Chittorgarh.pdf and http://www.cuts- international.org/CART/FCP/pdf/Event_Report_on_FCP_Annual_Stakeholders_Meeting- Bhilwara.pdf
4.9 Release of Posters Under IEC
Two posters were also developed on Financial Consumer Protection as part of IEC material, which also got released in the above two consultations. These bilingual posters are part of the already available IEC material, which has been used in the cluster trainings. The posters will be used in the upcoming third and fourth cluster trainings and periodic meetings of second of the project.
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The baseline survey, which was the first activity undertaken during the start of the project in May, 2017 got completed and the results of the survey got compiled in December, 2017 with complete report etc. The same report has been developed into a monograph form, which is worth readable with findings shown in graphs and tabular forms. This monograph was released during the two consultations as shown in the below pictures.
5. Links of Uploaded Reports/Publications
Project Webpage http://www.cuts-international.org/CART/FCP/index.htm
Inception Meeting at Chittorgarh: http://www.cuts-international.org/CART/FCP/pdf/Project_Inception_Meeting- Chittorgarh.pdf
Inception Meeting at Bhilwara: http://www.cuts-international.org/CART/FCP/pdf/Project_Inception_Meeting- Bhilwara.pdf
Quarterly Report May-August, 2017: http://www.cuts-international.org/CART/FCP/pdf/Quarterly_Report_May- August2017.pdf Quarterly Report Sept-Nov, 2017: http://www.cuts-international.org/CART/FCP/pdf/Quarterly_Report_Sept- Nov2017.pdf
Quarterly Report December 2017-February, 2018: http://www.cuts-international.org/CART/FCP/pdf/Quarterly_Report_Dec2017- Feb2018.pdf
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Baseline Survey Monograph http://www.cuts- international.org/CART/FCP/pdf/Monograph_on_Enhancing_Financial_Protection_of_C onsumers_in_Particular_Women_through_Financial_Literacy_Initiatives.pdf
Synthesis Report of 46 Cluster Level Trainings http://www.cuts-international.org/CART/FCP/pdf/Synthesis_Report- Cluster_Level_Trainings_FCP_%20Project_Chittorgarh_and_Bhilwara.pdf
Complete Baseline Research Report http://www.cuts- international.org/CART/FCP/pdf/Report_on_Enhancing_Financial_Protection_of_Consu mers_in_Particular_Women_through_Financial_Literacy_Initiatives.pdf
Report of Annual Stakeholder Meeting in Chittorgarh http://www.cuts- international.org/CART/FCP/pdf/Report_on_FCP_Annual_Stakeholders_Meeting- Chittorgarh.pdf
Report of Annual Stakeholder Meeting in Bhilwara http://www.cuts- international.org/CART/FCP/pdf/Event_Report_on_FCP_Annual_Stakeholders_Meeting- Bhilwara.pdf
IEC Material IEC Poster 1 http://www.cuts-international.org/CART/FCP/pdf/Poster_Financial_Literacy.pdf IEC Poster 2 http://www.cuts- international.org/CART/FCP/pdf/Poster_Financial_Consumer_Protection.pdf Charter of Customer Rights-I: http://www.cuts- international.org/CART/FCP/pdf/Charter_of_Customers_Rights-I.pdf Grahak Pehchan Prakriya: http://www.cuts- international.org/CART/FCP/pdf/Grahak_Pehchan_Prakriya.pdf Grievance Redressal System: http://www.cuts- international.org/CART/FCP/pdf/Grievance_Redressal_System.pdf Charter of Customers Rights-II: http://www.cuts- international.org/CART/FCP/pdf/Charter_of_Customers_Rights-II.pdf Banking for the Common Man- Hindi: http://www.cuts- international.org/CART/FCP/pdf/Banking_for_the_Common_Man-Hindi.pdf
Aapke Paise Kaise Kharch Huye: http://www.cuts- international.org/CART/FCP/pdf/Aapke_Paise_Kaise_Kharch_Huye.pdf Jan Dhan Shiksha: http://www.cuts- international.org/CART/FCP/pdf/Jan_Dhan_Shiksha-1.pdf
6. Key Achievements from first year’s work
In Chittorgarh
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 BlockOne women and 1 men applied for Pradhanmantri Jeevan Jyoti Bima and Jeevan Suraksha Bima in Nimbahera block. 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.
In Bhilwara
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
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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. 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
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7. In a Run Up to Develop Model Villages (one in each district)
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.
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 account,
16 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 Pondras to total financially literate by December 2018.
Media Coverage of All Activities During the Year
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