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The cornerstone of a stable family, is a financially literate woman.

Fin. literate families: 16,22,892
No. of states covered: 20 states + UTs
Languages: 8
Banking services adoption: 14,50,506
Transition to digital banking: 81.27%

PAISON KI ABCD
FLP Videos

4 out of every 5 Indian women are financially illiterate. They do not have the knowledge or the tools to manage cash-flow, save safely, plan for the future or make informed financial decisions.

Diksha, Parinaam’s Financial Literacy Programme was created specifically for them. Because financial literacy can help them stabilise family finances, plan their children’s education, build homes and live better lives.

For Diksha, Parinaam has a curriculum developed with the support of bankers and field staff who understand the needs of ultra-poor communities. Diksha has been acknowledged as a pioneering programme by the Reserve Bank of India (RBI).

Parinaam also runs a literacy program for senior citizens to help them keep track of digital advances. And a children’s savings program called Chillar Bank.

Diksha, program content.

Budgeting — This is the first step to financial literacy. Budgeting involves differentiating needs and wants, and understanding prioritisation. Creating budgets helps ladies track their household income, expenses and identify surplus. Surplus — Once surplus is identified, they are trained to understand banks, banking and different savings products.

Debt Management — The ladies are trained to understand loans as a way of fulfilling emergency needs and goals. As also the need for proper and timely repayment, negative effects of loan defaults, Credit Bureau and its impact.

Banking channels and digitisation — Diksha modules include training on digital banking and understanding the different banking channels available for financial products and transactions. We have also included content on cyber-fraud.

Diksha, classroom & online modules.

  • A 2-module in-class, offline program and a 1-module online program
  • Training employs a combination of targeted interventions that work towards imparting financial knowledge and changing attitudes and practices.
  • The use of edutainment and technology to impart financial awareness — presentations, videos, interactive sessions, Q&A, assignment and the sharing of personal experiences.

The Sukhi-Dukhi Series, created for Diksha, is a long-running favourite of the beneficiaries.

Mallamma —
tailor and entrepreneur.
Lakshmi —
from a tarp-home in Drumshed to a pukka-home in Sadaramangala.
Savitha.
Now earning more.
Now saving more.

You can use our course content to run a financial literacy program for your community!

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