Our campaign launches 11 Oct

Sankalp se Shakti, Shakti se Samriddhi

Aapka Sankalp, Uski Shakti — Milkar Rachein Behtar Kal.Your resolve, her strength. Together, let's build a better tomorrow.

In every home, women make small money decisions every day: what to spend, what to save, when to borrow and when to stop. This campaign funds the training that helps them make those decisions with confidence. ₹1,000 trains one woman.

Donate Now About the Campaign

1Munderserved women and youth: our five-year goal

₹1,000trains one woman through our campaign

40daysof follow-up after every training

35%adopted household budgeting within 40 days

About BKIF

Building a Financially Resilient India

The BankersKlub India Foundation (BKIF) is committed to a transformative mission: Impacting 1 million underserved women and youth across India within the first five years of its journey.

While India has achieved remarkable success in Bank Account Access (with over 500 million Jan Dhan accounts) and Digital Infrastructure (via UPI and Aadhaar), a significant "last mile" gap remains.

Who We Are

A BKIF trainer leads a financial literacy session with women in Haryana

500M+

Bank accounts exist in India. Yet, millions remain inactive.

Why This Work Matters

The Gap is Not Access. It’s Usage.

India has achieved remarkable success in financial access through Jan Dhan, UPI, and Aadhaar. Yet, a critical “last mile” gap remains.

What the data says

21%

of Indian women are financially literate, compared with 29% of men.

NCFE Financial Literacy & Inclusion Survey, 2019

49%

of women have no money of their own that they can decide how to use.

NFHS-5, 2019–21 (IWWAGE analysis)

18%

of women's bank accounts are inactive, compared with 11% of men's.

World Bank Global Findex, 2024 data (via CGAP)

Dormancy Challenge

Millions of women have bank accounts, but a large percentage remain underutilized.

Accounts are often used only for DBT withdrawals
ATM cards or mobile access is often controlled by family members
Limited financial agency

Literacy to Action Gap

Knowing how to use a bank account is not the same as building wealth.

Financial products are not designed for irregular incomes
Fear of loss prevents participation in financial products, mutual funds, ETFs etc.
Limited confidence to move beyond savings accounts

Trust & Voice Deficit

Financial systems are complex and intimidating.

Text-heavy apps create barriers
Lack of regional language support
Absence of trusted financial guidance

Credit Visibility Gap

Access to credit remains limited despite having accounts.

No individual transaction history
Cash-based economy limits credit scoring
Lack of collateral ownership

Our Approach

Bridging the Gap Between Intent, Habit, and Action

Our goal is to move underserved communities from financial exclusion to active participation in India’s capital markets.

Women looking at a mobile phone together

AiLaxmi

Voice-First Financial AI Companion

AiLaxmi is India’s first free, voice-first AI companion on WhatsApp that helps rural and urban women and underprivileged communities to build savings habits, explain financial concepts, and confidently manage their money, protect their money from inflation, and eventually participate in India’s capital markets — without ever touching their money.

Learn and transact in local languages
No need for complex apps
Money stays in user’s own account (no custody)

Know More

Our mission is to empower one million underserved women and youth

BankersKlub Mentorship. Reintroducing trust through human guidance: retired banking professionals offering local mentorship, credibility and community-driven support.

Know More

BankersKlub India Foundation Programmes

Our Pilot: Financial Capability in Rural Haryana

Our first full pilot works with women in villages across Nuh, Palwal, Faridabad and Gurugram districts. Every village starts with a survey, and every training is followed up for weeks afterwards, so we can see what participants actually start doing with what they learned.

Household BudgetingSavings & Goal SettingResponsible BorrowingDigital PaymentsCyber Fraud PreventionGovernment SchemesAiLaxmi

Survey

We begin with a baseline survey in each village to understand how households earn, save, borrow and use banking today.

Community Training

Practical sessions in the village on budgeting, saving, responsible borrowing, digital payments, fraud prevention and government schemes.

Follow-Up

Our team stays in touch with participants in the weeks after training to see what they are using and where they need help.

Support with Mentors

Banker mentors, and AiLaxmi on WhatsApp, keep answering questions so learning turns into lasting habits.

A BKIF trainer speaks to women seated outside a village home

A BKIF session with the AiLaxmi poster and QR code

Early Results from Our First Cohort

Nuh, June 2026 · 40-day follow-up

35%adopted household budgeting within 40 days

35%started discussing financial decisions with their families

32%engaged with AiLaxmi after the training

See the Full Results

Testimonials

In Their Own Words

Women from our pilot villages on what changed after the training.

Women at a BKIF financial literacy session in Haryana — BKIF session · Haryana

I have started planning my expenses and savings better.
“The training helped me look at my household expenses differently. I understood the importance of planning my spending, setting aside savings and thinking ahead for future needs.”
Madhu, Malab village, Nuh

I now know I can access many banking services through my phone.
“Through the training and AiLaxmi, I learned about different financial services and schemes. Updating my mobile number, changing nominee details, checking my bank statement and sending or receiving money can all be done through digital banking.”
Rama, Baryapur village, Faridabad

Launches 11 Oct