Project Khushhali

Spreading happiness by motivating the villagers to transcend their financial boundaries.

Phase-III (October 2019)

Palwal District, Haryana                                                                                                                         2-3rd October 2019 

Vittshala-The Financial Literacy Cell of Shri Ram College of Commerce, University of Delhi, aims to spread financial literacy among different sectors of the society through its various projects. One such project is Project Khushhali, which aims to spread the basics of financial knowledge at the grassroots levels.


On 2nd October 2019, a team of 24 dedicated members undertook the third phase of Project Khushhali. It was executed in collaboration with Sarva Haryana Gramin Bank. 

It was a two-day campaign from 2nd October 2019 to 3rd October 2019 wherein the team reached out to nine villages across Palwal, viz. Kamrawali, Amroli, Bamadiyaka, Azizabad, Aligarh, Kanwarka, Bela, Raidaska and Bamnikhera, sequentially. Over 740 villagers were imparted financial education through this project. 

An enthralling Nukkad Natak was enacted in each village for effective transmission of financial knowledge. The play was concluded with a small speech to make the villagers realise the significance of financial prudence. The students took surveys and simultaneously acquainted the villagers with the benefits and modalities of various welfare schemes and policies launched by the Government of India (GoI) that best suited their financial status quo. 

During one to one interaction with the villagers, the problem of seasonal unemployment was discovered so as a solution to this, they were made aware of the National Rural Employment Guarantee Act, 2005 (MGNREGA). Further, it was found that most people had opened their bank accounts after 2014, which proved that Pradhan Mantri Jan Dhan Yojana (PMJDY) was indeed successful in bringing about a change. 

People there believed that insurance is an avoidable expenditure. In order to break this myth, they were informed about the Insurance schemes like Pradhan Mantri Jeevan Jyoti Yojana and Pradhan Mantri Suraksha Bima Yojana, which provide insurance at a very minimalistic rate of ₹330 per annum and ₹12 per annum respectively. 

Apart from Financial literacy, the team also promoted women empowerment by making them aware of Sukanya Samridhi Yojana and Mudra Yojana. 

The visit was a two-way exchange of knowledge. It equipped them with knowledge hitherto unknown. After two laborious days of nonstop campaigning, the students returned back with happy faces.

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Phase-II (January 2019)

In order to spread the basics of financial knowledge at the grassroots levels and to study the situation on the ground, Project Khushhali was conceptualised by a highly dedicated and motivated team. Project Khushhali covers the villages where the primary income is generated from Agricultural and allied sector. A total of 25 volunteers from Vittshala are conducting a mass Financial Literacy Campaign in 8 villages under two blocks of Meerut District, namely Rajpura and Kharkhaura on January 19 and 20, 2019.

Four villages: Datavali, Pachgavpatti Saval, Sisouli and Bhagwanpur Chattavan of Block Rajpura, Meerut District were covered under this campaign on Saturday, January 19, 2019, with cooperation from the district officials and the village representatives.
The following activities were conducted by a team of 25 volunteers from Vittshala during this campaign:
a) Role Play (Nukkad Natak) signifying the importance of banking, savings and insurance;
b) Interactive sessions including door-to-door campaigning explaining the nuances of financial inclusion;
c) Distribution of informational brochures containing the details of various Central Government Schemes including but not limited to PM Jan Dhan Yojana, Atal Pension Yojana, PM Suraksha Bima Yojana, PM Jeevan Jyoti Yojana, Sukanya Samridhhi Yojana, PM Fasal Bima Yojana, PM Jan Aarogya Yojana (Ayushman Bharat), PM Mudra Yojana et al;
d) Conduct of a survey on financial inclusion in Meerut District.

With the same vigour, the team covered 4 villages of Block Kharkhaura on January 20, 2019: Nalpur, Khanapur, Dhanauta and Bijauli, thus making an impact-the result of which will manifest in the future in the form of a better, stronger and self-reliant India.

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