Our initiatives empower women, youth and underserved communities with access to banking, financial literacy, and sustainable economic opportunities.
The biggest gap in achieving financial inclusion today is not access, but active usage and participation in the financial ecosystem and capital market of the country. Here are the four critical dimensions of this gap:
While millions of women have accounts, a large percentage remain underutilized or dormant.
There is a profound difference between knowing how to use an ATM and knowing how to build wealth.
Traditional banking interfaces (apps and branch banking) can be intimidating.
Even with an account, many women remain “invisible” to formal credit systems.
The BankersKlub India Foundation (BKIF) programme is specifically designed to bridge these gaps through:
A voice-first AI that removes the “literacy barrier” by allowing women to transact and learn in their own dialect.
Shifting the focus from “having an account” to investing INR 10,000 annually, creating a tangible path to capital market participation.
Reintroducing the “human touch” by using retired banking and Financial Inclusion expert veterans to provide the credibility and guidance that an app alone cannot provide.
Our goal is to bridge the gap between intent, habit, and action, touching underserved populations; ranging from skilled and semi-skilled women to ambitious youth. Our mission is to touch lives and transform their journey from financial exclusion to active participation in India’s capital markets.
Our approach blends AI and cutting-edge technology with high-touch community engagement across 75 Tier 1, 2, and 3 cities. We recognize that technology alone cannot solve financial anxiety; it requires a foundation of trust. BKIF’s strategy is built on two primary pillars:
Our proprietary, voice-first AI assistant empowers users to build savings habits and learn financial concepts in their regional languages.
More about AiLaxmi
We leverage a national network of former banking professionals who act as mentors and community mobilizers. This “boots on the ground” force drives outreach, training, and deep-rooted behavior change that automated tools cannot achieve alone.
Are You a Former Banker? Mentor with UsWe do not measure success merely by ‘account opened’ and ‘community mobilized’ or ‘SHG formation’. Our North Star is true financial empowerment that leads to capital market participation and becoming a part of India’s growth story.
BKIF is committed to ensuring that every beneficiary in our programme achieves a minimum investment of INR 10,000 per annum in the capital market through a range of instruments such as Bank FD, Post Office MIS, Debt Mutual Fund, Equity Mutual Fund, etc.
By empowering 1 million individuals to save effectively and invest systematically, we are not just helping them build a safety net—we are helping them capture a share of India’s economic growth. We are creating a generation of “Home Economists” and “Gig Entrepreneurs” who transition from being passive observers to confident investors.
Our pilot phase has begun in Haryana. We are working with women, youth and Self-Help Groups across four districts and five blocks. Three of these are Aspirational Blocks, including Nuh.
We begin with a baseline survey in each village to understand how households earn, save, borrow and use banking today.
Practical sessions in the village on budgeting, saving, responsible borrowing, digital payments, fraud prevention and government schemes.
Our team stays in touch with participants in the weeks after training to see what they are using and where they need help.
Banker mentors, and AiLaxmi on WhatsApp, keep answering questions so learning turns into lasting habits.
BKIF’s programmes focus on practical financial behaviours that participants can apply in their everyday lives. Interactive sessions encourage learning through discussion, real-life examples, and action planning.
Our strategic implementation partners are HSRLM, PNB RSETI and local stakeholders. In each district we work alongside:
From establishment to field implementation in just a few months.
BankersKlub India Foundation established.
Field operations and baseline assessment initiated.
First Financial Education Programme with SHG women at Malab Village, Nuh.
Community programme for youth in Nuh District.
Workshops at Rattewali Village, PNB RSETI and the CDPO Office, Panchkula.
Collaboration initiated with Haryana State Rural Livelihood Mission (HSRLM).
Training modules refined using field learning.
Sessions expand across Nuh, Palwal and Faridabad, covered by the local press.
Our first public campaign, Sankalp se Shakti, Shakti se Samriddhi, launches.
The following findings are based on AiLaxmi engagement and a 40-day post-training follow-up conducted with participants from BKIF’s inaugural Financial Capability Workshop in Nuh district, Haryana.
Behaviour change is visible within six weeks, validating BKIF’s integrated training and follow-up model.
Longer-term engagement will help convert financial awareness into sustained savings behaviour. Next, we are adding:
Financial capability becomes meaningful when learning connects with everyday decisions. Here is what participants are taking away from our sessions.
Video coming soonI now think before I spend and save regularly.
“I now manage my household expenses more carefully and give greater importance to regular savings. I have also shared these learnings with my family.”
Saba, Adbar village, Nuh
Video coming soonPlanning today for a digitally confident tomorrow.
“I now plan my income and expenses, avoid unnecessary spending, and feel more confident using digital banking services. I have shared these learnings with my family and neighbours.”
Maajid, Kurali village, Nuh
Video coming soonAiLaxmi: my everyday financial companion.
“AiLaxmi helps me understand and manage my money in my own language. I feel more confident making financial decisions and have shared it with my family and neighbours.”
Shabnam, Kural village, Nuh
Video coming soonI 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
Video coming soonI 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
Testimonials are genuine and shared by participants. Photos are from BKIF sessions and do not show the speakers, to protect their privacy.
Over the coming months, BKIF will focus on accelerating financial capability through partnerships, innovation, and evidence-based learning.
Expand community-based financial capability programmes for women, youth, and Self-Help Groups across underserved communities.
Reinforce learning through structured follow-up, practical action plans, and AiLaxmi, our AI Financial Learning Companion, to encourage lasting financial behaviours.
Build stronger collaborations with government institutions, banks, CSR partners, community organisations, and banker volunteers.
Use technology and banker mentorship to make financial education more accessible, personalized, and action oriented.
Track progress through the BKIF Financial Capability Index (BKIF-FCI), enabling continuous learning and demonstrating measurable improvements in financial knowledge, behaviour, and decision-making.
Aapka Sankalp, Uski Shakti — Milkar Rachein Behtar Kal.
Help a woman in rural Haryana learn to budget, save and borrow safely, so her decisions protect her family's future.
₹1,000 trains one woman to budget, save and borrow safely. Your gift reaches villages where no one has explained these choices before.
