Welcome to Gram Sathi | Bringing Social Change through Community Mobilization

Programmes and Impact

Financial Literacy and Inclusion

Gram Sathi is committed to promoting financial literacy and financial inclusion among rural communities, especially women, youth, and marginalized groups. To create financially aware and empowered communities, Gram Sathi is implementing the "Scale Up Centre for Financial Literacy" project in collaboration with the Reserve Bank of India (RBI).

Under this initiative, Gram Sathi works with the support of various sponsoring banks to strengthen financial awareness and inclusion among underserved communities. The project is being implemented across Bihar and Jharkhand, focusing on improving people's understanding of banking services, savings, digital financial transactions, insurance, pension schemes, and government financial services.

Through this initiative, Gram Sathi aims to build the capacity of individuals and communities to make informed financial decisions, access formal financial services, and achieve greater financial security.

Our Key Areas of Work

What We Do

Our financial literacy initiatives focus on building knowledge, confidence, and access to formal financial services.

1. Financial Awareness and Capacity Building

Conducting financial literacy sessions for rural communities, women, youth, farmers, Self-Help Groups (SHGs), and vulnerable sections of society.
Creating awareness about basic financial concepts such as savings, budgeting, responsible borrowing, insurance, pension, and investment options.
Promoting informed and responsible financial decision-making among community members.

2. Digital Financial Literacy

Promoting awareness about digital banking services and safe digital transactions.
Educating communities about UPI, mobile banking, ATMs, internet banking, and other digital financial platforms.
Creating awareness on cyber fraud prevention, online financial safety, and secure usage of digital payment systems.

3. Women's Financial Empowerment

Strengthening financial awareness among women to enhance their participation in financial decision-making at household and community levels.
Supporting women's groups and Self-Help Groups (SHGs) with knowledge on savings, credit management, financial planning, and banking services.
Encouraging women to access formal financial institutions and government financial schemes.

4. Awareness and Linkages with Government Financial Schemes

Gram Sathi supports communities in understanding and accessing various financial inclusion and social security schemes, including:

PMJDY Pradhan Mantri Jan Dhan Yojana

PMJJBY Pradhan Mantri Jeevan Jyoti Bima Yojana

PMSBY Pradhan Mantri Suraksha Bima Yojana

APY Atal Pension Yojana

The project facilitates eligible individuals and families in accessing these schemes and benefits.

5. Banking Linkages and Financial Inclusion

Connecting rural and underserved communities with formal banking services.
Promoting awareness about bank accounts, savings habits, credit facilities, insurance, pension benefits, and grievance redressal mechanisms.
Encouraging communities to adopt safe and formal financial practices.

6. Financial Literacy Camps and Community Outreach

Organizing financial literacy camps, awareness drives, workshops, and community meetings at the grassroots level.
Reaching remote villages and vulnerable communities through community-based approaches.
Coordinating with banks, government institutions, banking correspondents, and local stakeholders for effective implementation of financial literacy initiatives.

Project Reach

Through the Scale Up Centre for Financial Literacy project supported by RBI and sponsoring banks, Gram Sathi is working towards creating financially empowered communities across Bihar and Jharkhand by increasing awareness, improving access to financial services, and promoting responsible financial behaviour.

So far, Gram Sathi has reached out to over 800,000 women, youth, and adults from low-income communities through its different activities.

Financial Literacy Training Program for Women — CreditAccess India Foundation (CAIF)

Gram Sathi has implemented a Financial Literacy Training Program for Women in partnership with CreditAccess India Foundation (CAIF) across eight districts of Bihar and Jharkhand. The initiative focused on strengthening women's knowledge and confidence in managing personal and household finances, including savings, banking services, responsible borrowing, insurance, pension, social security schemes, digital banking, and protection from financial fraud.

Through structured training sessions and community-based Nukkad Natak (street plays), the programme reached over 8,000 women and extended financial awareness to wider communities. The initiative aimed to promote informed financial decision-making, increase women's engagement with formal financial institutions, and strengthen their role in achieving financial security and independence.

Financial Literacy Awareness Program - NABARD

In 2015-16, Gram Sathi successfully organized the "Financial Literacy Awareness Program" with the support of NABARD. Under the program, 30 Gram Panchayats of the Chandan and Katoria blocks in Banka district in Bihar and 31 Gram Panchayats of the Poreyahat block in Godda district in Jharkhand were comprehensively covered.

People of these three blocks were well sensitized on the issue concerned through street plays, audio-visual aids, and meetings. Through this program, the beneficiaries were informed about the financial system of banks, its components and functions, and the need and benefits of being associated with the banks by having saving accounts, deposit accounts, or other government schemes with banks.

Awareness was also spread on Central Government's flagship financial schemes, such as the Prime Minister Jan Dhan Yojana, Prime Minister Jeevan Jyothi Bima Yojana, Prime Minister Suraksha Bima Yojana, and Atal Pension Yojana besides other credit-linked schemes.

"Financial Literacy for Empowerment — Building Inclusive, Secure, and Prosperous Communities."

Financial Literacy Program