Government of India
Shri Ramu
The Journey
Shri Ramu, son of Shri Poornamasi (age 35 years), is a resident of Village Kalli Paschim, Post —, District Lucknow, Uttar Pradesh. There are five members in his family. Earlier, he was unemployed and the family was facing financial hardship. Due to insufficient income, the family had to face many challenges.
He stated that he contacted Uttar Pradesh Gramin Vikas Bank, Mohanlalganj Branch, where he received information about the NSFDC scheme. Thereafter, he availed a loan of ₹3,50,000/- under the NSFDC scheme in 2024 for purchasing an Auto Rickshaw, which is to be repaid within 5 years.
He now earns about ₹28,000 to ₹29,000 per month. His two children are studying, and he is able to pay their school fees. With a family of five members, the income from the Auto Rickshaw is sufficient for their livelihood. His financial condition has improved significantly compared to earlier, and he is very satisfied with this business.
“The improved income has enabled him to provide quality education for his two children and secure a dignified life for his entire family.
Smt. M. K. Lazar
The Journey
Smt. M K Lazar, Chittoor, Andhra Pradesh availed NSFDC loan of Rs.1,70,000/- in the year 2023 for setting up a Tailoring cum cloth shop through Saptagiri Grameena Bank. The Loan was refinanced by the NSFDC under Term Loan scheme. She is now in a better position economically, with an average monthly income of Rs.20,000/-.
“Through her tailoring business, Smt. Lazar is now in a significantly better economic position. Her steady income empowers her to lead a dignified, self-sufficient life.”
Shri Arun
The Journey
Shri Arun, a dedicated fisherman from Pazhaverkadu, Edamani Village,Tamil Nadu, transformed his livelihood through the financial assistance provided by TAHDCO and NSFDC. Prior to July 2025, Shri Arun relied on rented boats and outdated nets, earning a modest ₹12,000 per month. With the sanctioned MCF loan of ₹1,00,000 and TAHDCO subsidy of ₹50,000, he purchased his own fishing boat and modern equipment.
Since acquiring these assets, Shri Arun has consistently paid his monthly EMI of ₹5,000 and reported a significant increase in his income, now averaging ₹18,000 per month. The improved catch quality and reduced operational costs have enabled him to support his family better, invest in his children’s education, and build financial resilience. Shri Arun’s journey exemplifies the power of targeted support in fostering self-reliance and sustainable growth
“Arun’s journey exemplifies the power of targeted support. The increased income has allowed him to invest in his children’s education and build lasting financial resilience for his family.”
Smt. Sobhana
The Journey
Smt. SOBHANA, Distt. Kozhikode, Kerala approached KSWDC and applied for a NSFDC self-employment Loan. KSWDC financed a sum of Rs.190000/- in 2023 for starting a Flour Mill. She has established the project in a healthy manner. Now she is in a better position with monthly income of Rs. 68000/- to lead her life and extend better education to her children from the income of the project, she and her family gratitude to KSWDC and NSFDC
Shri Durgesh
The Journey
Shri Durgesh Barkhane, son of Shri Ramvilas Barkhane, Junnardev, District Chhindwara, MP, was provided financial assistance of ₹1,85,000/- (Rupees One Lakh Eighty-Five Thousand only) in the year 2024 by the Junnardev branch of Madhya Pradesh Gramin Bank under the NSFDC refinance scheme (Term Loan) for the purchase of Electric Auto Rickshaw for passenger transport.
Prior to loan sanction, the beneficiary was unemployed and had no stable source of income, due to which his financial condition was extremely poor. Owing to limited resources, he faced difficulties even in supporting his family’s basic needs.
At present, through operating the auto, the beneficiary is earning a stable monthly income of ₹15,000 to ₹20,000 after repayment instalments, which has significantly improved his economic condition. He is now able to support his family respectfully and efficiently. Expenses related to children’s education, household needs, and daily living are being met comfortably. His social status in the village and community has improved, and he has moved towards self-reliance.
The schemes of NSFDC and the active role of the bank are proving to be significant in strengthening rural development, employment generation, and financial inclusion.
The success story of Shri Durgesh Barkhane is also an inspiration for other rural individuals who wish to adopt self-employment and move forward toward self-reliance.
“He is now able to support his family respectfully and efficiently. His social status in the community has improved, serving as an inspiration for other rural individuals moving toward self-reliance.”
Shri Barath
The Journey
Shri Barath, a young fisherman from Pazhaverkadu, Tamil Nadu, embraced opportunity when TAHDCO and NSFDC extended financial support under the Livelihood Development Programme. Before July 2025, Shri Barath’s income was constrained by his reliance on rented boats and worn-out nets, limiting his monthly earnings to ₹12,000.
With the sanctioned loan and subsidy, Shri Barath invested in his own fishing equipment. His productivity increased, and his monthly income rose to ₹20,000. He has successfully paid four EMIs of ₹5,000 each, demonstrating financial discipline and commitment. Shri Barath’s improved earnings have brought stability to his household and inspired others in his village to pursue similar opportunities.
“Barath’s improved earnings have brought stability to his household and inspired others in his village to pursue similar opportunities for self-reliance.”