Mr. Nainwal, RH, UGB addressing the participants at Dhanori patti.

In year 2013-14 Nabard and Uttarakhand Gramin Bank, entrusted us to organise 86 workshops financial Literacy workshops in in four region of UGB in Dehradun, Champawat, Pithoragarh Tehri, Rudraprayag, Chamoli, Pauri and Udhamsingh Nagar districts of Uttarakhand. Effort was made to know the level of financial penetration in villages located in interior and far away from the cities. A baseline survey of all the villages was conducted to know the level of banking services Mr. Nainwal, RH, UGB addressing the available to the villagers. The objective was to make participants at Dhanori patti. people aware of the importance of planning their finances, with an eye on meeting long term requirement of the family. Everybody is aware of earnings, savings, expenditureand borrowings but they need to get their priorities right and decide which expenditure is Necessary and what can be avoided till the funds position improve and what is of utmost necessity to carry on their business. Apart from social, educational and other family requirements. A distinction has to be made between productive and consumption needs and by pruning our wish-list we can save a lot over a period of time. Lack of planning and not sufficient earnings, come in the way of savings and wealth creation. All that is required, is Analyzing one’s needs, and make a distinction between the needs and desire, avoid wasteful expenditure while saving for the future. A saving how ever small is a source of tremendous self confidence and helps in creation of wealth over a period of time. The campaign on financial awareness, included elements on Savings, Borrowings, Investment, Insurance and skill improvement. Through a series of Nukkar Nataks, Movies and personal Contacts, we emphasized upon the need of people to connect to the banks and avail the financial services offered. People were also taught, how to avoid debt trap, multiple financing and to be wary of the tactics of money lenders.

To know the exact requirementof villagers, in the field of financial inclusion a base line survey of all the families residing in the villages was conducted. The survey included data about the financial category of the people- APL/BPL, minority status, bank accounts, KCC, RSBY, Micro- insurance and various bank schemes and also about the presence of bank branches and various services the bank provides, was also assessed.

The concept of DBT has made it compulsory for all eligible people to give account with banks.The relative advantage of Uttarakhand Gramin bank of insurance of Rs. One lac in case of accidental death for all savings accounts holders was explained. The team explained them the power of savings avoiding wasteful expenditure and build capital for a better future. Importance of thoughtful borrowing, securing future by life and medical insurance and investing the hard earned money wisely. All they require is analyzing their needs, make a distinction between the need and desire, avoid wasteful expenditure and save for the future. A saving whatever small is a source of tremendous self confidence and helps in creation of wealth over a period of time.People who could not afford any initial amount to open account with Banks were advised to open NO Frill Savings bank accounts with UGB.

The concept of DBT has made it compulsory for all eligible people to give account with banks.The relative advantage of Uttarakhand Gramin bank of insurance of Rs. One lac in case of accidental death for all savings accounts holders was explained. The team explained them the power of savings avoiding wasteful expenditure and build capital for a better future. Importance of thoughtful borrowing, securing future by life and medical insurance and investing the hard earned money wisely. All they require is analyzing their needs, make a distinction between the need and desire, avoid wasteful expenditure and save for the future. A saving whatever small is a source of tremendous self confidence and helps in creation of wealth over a period of time.People who could not afford any initial amount to open account with Banks were advised to open NO Frill Savings bank accounts with UGB.

The play revolves around 2 central characters, one being Sukhiya and another Dukhiya. They depict two people - one who saves, plans, builds capital and plans for her life, whereas the second one continues to spend whatever comes her way, landing in debt trap and miseries.The story conveys a message of savings in a very convincing way, as to how saving wisely comes to your rescue in case of emergencies and exigencies. Savings, apart from control on wasteful expenditure, investment and insuring lives and valuables, play a vital role in financial planning.

The forest cover in Uttrakhand is fast depleting. Besides requirement of timber, the trees are felled indiscriminately for firewood,fodder and other forest produce. (The cutting of expensive trees for profit-making, by the timber mafia, is another Matter).

People are encouraged to plant more trees, either in their backyard/ courtyard. Initially we provided them a sapling of a fruit tree. Now, at present, we encourage them to plant at least one tree per family.

Affordable solar lamps have been distributed to people in Uttarakhand & Bihar mainly to replace kerosene lantern and lamps. The low cost solar lanterns have received a great response in rural areas where power cuts are very frequent . We are also trying to promote Solar Cookers in the community, for whichwe have given a few free samples.People are amazed to experience how quick the solar energy cooks food without any consumable fuel and that too in a hygienic way.

We are also planning enviromental cleaniliness awareness campaigns, to waken – up the people about the hazards and dangers of garbaige accumulation which can cause deadly Deseases. We have distributed some free solar lamps among altra poor family in villages with the help of Give India Foundation in Patna District to help in the study evening study.