As part of Azadi ka Amrit Mahotsav, a total of 152 Centre for Financial Literacy & Service Delivery (SAKSHAM Centres) across 77 districts of 13 states launched under Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) of the Ministry of Rural Development during 4-8th October, 2021.

Centre for Financial Literacy & Service Delivery (CFL&SD) would act as one stop solution/single window system for basic financial needs of Self-Help Group (SHG) households in rural areas. The main objective of the center is to provide financial literacy & facilitate delivery of financial services (savings, credit, insurance, pensions etc.) to SHG members and rural poor.  These Centers will be managed by SHG network, largely at the level of the Cluster Level Federations (CLFs), with the help of trained Community Resource Persons (CRPs).

Brajasundarpur village, Ranpur block, Nayagarh dist, Odisha

These trained CRPs are provided six days residential training at Rural Self Employment Training Institutes (RSETIs) established by the Lead Bank of the district. All of these resources persons, popularly known as Financial Literacy Community Resource person (FL CRPs) also provided a training tool kit in vernacular languages.

Govindapur village, Guijan block, Tinsukiya dist, Assam

Ministry of Rural Development (MoRD) has also developed a mobile & web-based application called “SAKSHAM” which will be used by the community resource person of the Centre to know the penetration of various financial services for each SHG & village, identify major gaps and accordingly provide training and deliver the required financial services. This application will also measure the impact of the programme on regular interval for mid-course correction in strategy, if any.

Sirsod village, Karera block, Shivpuri dist, MP

13 State Rural Livelihoods Missions (SRLMs) have conducted block and district level programmes in which women SHG members, financial literacy resource persons, Bankers, officials of district administration, public representatives and other important functionaries participated in the launch event.  The States include Assam, Chhattisgarh, Gujarat, Himachal Pradesh, Jharkhand, Madhya Pradesh, Meghalaya, Maharashtra, Odisha, Rajasthan, Sikkim, Tripura and Uttar Pradesh.  Based on the experiences of the Centres in the above States, the initiative will be scaled up in other SRLMs and remaining intensive blocks.                       

Gandharia village, Chatra sadar block, Chtara dist, Jharkhand

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APS/JK/IA