Lok Sabha Question No. 3 (STARRED), answered on 2025-12-01
Subject: Niveshak Didi – Phase II
Ministry: CORPORATE AFFAIRS
Asked by: Smt. Kamaljeet Sehrawat, Shri Manoj Tiwari

## GOVERNMENT OF INDIA

## MINISTRY OF CORPORATE AFFAIRS

## LOK SABHA

## STARRED QUESTION NO. 3

ANSWERED ON MONDAY, DECEMBER 1, 2025/AGRAHAYANA 10, 1947 (SAKA)

## NIVESHAK DIDI - PHASE II

*3. Shri Manoj Tiwari:

Smt. Kamaljeet Sehrawat:

- Will the Minister of CORPORATE AFFAIRS be pleased to state: (a) the details of the objectives and key components of the Niveshak Didi - Phase II initiative; (b) the details of the measures taken to strengthen financial awareness, expand outreach  and  introduce  interactive  technology  driven  training  modules  in  this phase, particularly in aspirational and semi-urban districts of the country; (c) the details of the number of awareness programmes or camps conducted so far under this initiative in the country, State/UT-wise including Bihar, Chhattisgarh, Himachal Pradesh and Rajasthan particularly Jalgaon Parliamentary Constituency of Maharashtra and Bishnupur Parliamentary Constituency of West Bengal; (d) the details of women who have benefited from the awareness programmes or camps organized so far under the said initiative of the Government, State and yearwise including Himachal Pradesh and Uttar Pradesh; (e)  whether  the  Investor  Education  and  Protection  Fund  Authority  (IEPFA)  has entered into partnership with any institutions, self-help groups, NGOs or grassroot organizations for last mile delivery of financial education and services, particularly in Rajsamand Parliamentary Constituency in Rajasthan; (f) if so, the details of the achievements made so far and the future action plan for expanding the 'Niveshak Didi' initiative across the country, particularly in the National Capital Territory of Delhi, Uttarakhand and West Bengal; and (g) the total number of beneficiaries of the Niveshak Didi - Phase-II initiative in
- Sidhi Parliamentary Constituency in Madhya Pradesh?

## ANSWER

THE MINISTER OF FINANCE AND CORPORATE AFFAIRS ( श्रीमती निममला सीतारामि )

(SHRIMATI NIRMALA SITHARAMAN)

नित्त एिं कारपोरेट कार्म मंत्री

(a) to (g): A Statement is laid on the Table of the House.

********

## STATEMENT REFERRED TO IN REPLY TO PART (a) TO (g) OF LOK SABHA STARRED QUESTION NO. *3 (3 rd  POSITION) FOR 1 st  December, 2025 REGARDING 'NIVESHAK DIDI PHASE II'

- (a): The Niveshak Didi - Phase II initiative, which commenced on 7th April 2025, aims to enhance financial awareness among women in rural and underserved  areas,  promote  informed  savings  and  investment  decisions,  raise awareness on financial frauds, advance safe digital financial practices, adopt a community-based 'By Women, For Women' model, strengthen household financial planning and promote financial awareness and banking access to remote regions.
- (b): The following measures have been taken in this phase:
- (i) Strengthening Financial Awareness: Comprehensive financial awareness content has been updated, covering key themes such as savings, budgeting,  responsible  credit  usage,  digital  financial  services,  insurance, investments, and fraud prevention.
- (ii) Outreach Expansion: The programme has significantly strengthened its outreach with a focus on rural and under-served regions. Most camps are conducted in areas with limited or no banking access.  Camps are held at Anganwadis,  Self-Help  Groups  (SHGs),  panchayat  halls  and  women-only gatherings with the help of SHGs and Mahila Mandals.  Niveshak Didis also visit  homes  and  neighbourhoods,  bringing  financial  education  to  their doorsteps, especially in areas where mobility is restricted.
- (iii) Interactive Training Modules: The modules are simple, engaging, and relevant to rural households. They cover family budgeting, savings habits, safe  digital  payments  (including  UPI),  and  fraud  prevention.  Training  uses participatory  methods  such  as  storytelling,  group  activities,  role  plays, demonstrations on safe digital banking and peer learning.
- (c): The  details  of  the  number  of  the  awareness  programs  or  camps conducted so far under this initiative in the country, State-wise and Union Territory-wise, for the period 2022-23 to 2025-26 is placed at Annexure I.  No awareness programs or camps were conducted in the Jalgaon Lok Sabha constituency  of  Maharashtra  and  Bishnupur  parliamentary  constitution  of West  Bengal.    Further,  list  of  Camps  by  District  in  Bihar,  Chhattisgarh, Himachal Pradesh and Rajasthan is placed at Annexure II.

(d): State-wise number of female participants of the initiative is placed at Annexure III.

(e)& (f): Investor  Education  and  Protection  Fund  Authority  (IEPFA)  had partnered with India Post Payments Bank (IPPB) under the 'Niveshak Didi' program  to  promote  financial  literacy.    Niveshak  Didi  Phase  II  has  been launched with IPPB on 7 th  April, 2025 for expanding the reach and outcome of this initiative at PAN India Level.  Niveshak Didi Phase 2, envisages 4000 financial literacy camps targeting rural and semi urban population including women across the country, including Rajasthan, National Capital Territory of Delhi, Uttarakhand and West Bengal.  Around 40,000 women postal workers will be trained as community financial educators.  This initiative leverages postal workers' widespread rural presence to deliver financial education at the grassroots level.

(g): The  total  number  of  beneficiaries  of  the  NIVESHAK  DIDI  Phase-II initiative in Sidhi Parliamentary Constituency, Madhya Pradesh, is NIL.

*****

## Annexure I

## State and Union Territory-wise details of Awareness Programs/Camps Conducted (2022-23 to 2025-26)

| Sl. No.   | STATE / UTs                 | 2022-23 (Phase-I)   | 2023-24 (Phase-I)   | 2025-26 (Phase-II   |   No. of camps conducted (Phase-I & II) |
|-----------|-----------------------------|---------------------|---------------------|---------------------|-----------------------------------------|
| 1.        | ANDAMAN AND NICOBAR ISLANDS | -                   | -                   | 3                   |                                       3 |
| 2.        | ANDHRA PRADESH              | -                   | 50                  | 113                 |                                     163 |
| 3.        | ASSAM                       | -                   | 7                   | -                   |                                       7 |
| 4.        | BIHAR                       | -                   | 19                  | -                   |                                      19 |
| 5.        | CHANDIGARH                  | -                   | 1                   | -                   |                                       1 |
| 6.        | CHHATTISGARH                | -                   | 21                  | 32                  |                                      53 |
| 7.        | DELHI                       | -                   | 11                  | 4                   |                                      15 |
| 8.        | GUJARAT                     | -                   | 29                  | 4                   |                                      33 |
| 9.        | HARYANA                     | -                   | 54                  | -                   |                                      54 |
| 10.       | HIMACHAL PRADESH            | -                   | 25                  | 5                   |                                      30 |
| 11.       | JAMMU AND KASHMIR           | 2                   | 11                  | 5                   |                                      18 |
| 12.       | JHARKHAND                   | -                   | 8                   | 16                  |                                      24 |
| 13.       | KARNATAKA                   | -                   | 67                  | 74                  |                                     141 |
| 14.       | KERALA                      | -                   | 35                  | 13                  |                                      48 |
| 15.       | MADHYA PRADESH              | 2                   | 88                  | 30                  |                                     120 |
| 16.       | MAHARASHTRA                 | 2                   | 34                  | -                   |                                      36 |
| 17.       | MANIPUR                     | -                   | -                   | 4                   |                                       4 |
| 18.       | MEGHALAYA                   | -                   | 6                   | -                   |                                       6 |
| 19.       | MIZORAM                     | 8                   | 6                   | -                   |                                      14 |
| 20.       | NAGALAND                    | -                   | 10                  | -                   |                                      10 |
| 21.       | ODISHA                      | -                   | 96                  | 65                  |                                     161 |
| 22.       | PUDUCHERRY                  | -                   | 6                   | 2                   |                                       8 |
| 23.       | PUNJAB                      | -                   | 21                  | -                   |                                      21 |
| 24.       | RAJASTHAN                   | -                   | 22                  | 10                  |                                      32 |
| 25.       | SIKKIM                      | -                   | -                   | 5                   |                                       5 |
| 26.       | TAMIL NADU                  | 2                   | 269                 | 78                  |                                     349 |
| 27.       | TELANGANA                   | -                   | 45                  | 92                  |                                     137 |
| 28.       | TRIPURA                     | -                   | 2                   | 4                   |                                       6 |
| 29.       | UTTAR PRADESH               | -                   | 80                  | 65                  |                                     145 |
| 30.       | UTTARAKHAND                 | -                   | 20                  | 5                   |                                      25 |
| 31.       | WEST BENGAL                 | 2                   | 49                  | 153                 |                                     204 |
|           | Grand Total                 | 18                  | 1092                | 782                 |                                    1892 |

## List of Camps by District in Bihar, Chhattisgarh, Himachal Pradesh, and Rajasthan

|   Sl. No. | Branch/District     | State            |   No. Of Camps (Phase-I and Phase-II) |
|-----------|---------------------|------------------|---------------------------------------|
|         1 | DARBHANGA           | BIHAR            |                                     1 |
|         2 | GAYA                | BIHAR            |                                     5 |
|         3 | HAJIPUR             | BIHAR            |                                     6 |
|         4 | KATIHAR             | BIHAR            |                                     6 |
|         5 | PATNA               | BIHAR            |                                     1 |
|         6 | AMBIKAPUR           | CHHATTISGARH     |                                     2 |
|         7 | BAIKUNTHPUR         | CHHATTISGARH     |                                     3 |
|         8 | BALOD               | CHHATTISGARH     |                                     1 |
|         9 | BEMETARA            | CHHATTISGARH     |                                     1 |
|        10 | CIVIC CENTRE BHILAI | CHHATTISGARH     |                                     5 |
|        11 | DHAMTARI            | CHHATTISGARH     |                                     6 |
|        12 | JAGDALPUR           | CHHATTISGARH     |                                     3 |
|        13 | JASHPURNAGAR        | CHHATTISGARH     |                                     2 |
|        14 | KANKER              | CHHATTISGARH     |                                     6 |
|        15 | KONDAGAON           | CHHATTISGARH     |                                     2 |
|        16 | KORBA               | CHHATTISGARH     |                                     2 |
|        17 | MAHASAMUND          | CHHATTISGARH     |                                     1 |
|        18 | MUNGELI             | CHHATTISGARH     |                                     5 |
|        19 | RAIGARH             | CHHATTISGARH     |                                     4 |
|        20 | RAIPUR              | CHHATTISGARH     |                                     8 |
|        21 | SUKMA               | CHHATTISGARH     |                                     1 |
|        22 | SURAJPUR            | CHHATTISGARH     |                                     1 |
|        23 | CHAMBA              | HIMACHAL PRADESH |                                     1 |
|        24 | DEHRA               | HIMACHAL PRADESH |                                     7 |
|        25 | DHARAMSALA          | HIMACHAL PRADESH |                                     3 |
|        26 | HP BILASPUR         | HIMACHAL PRADESH |                                     2 |
|        27 | HP HAMIRPUR         | HIMACHAL PRADESH |                                     7 |
|        28 | KULLU               | HIMACHAL PRADESH |                                     3 |
|        29 | MANDI               | HIMACHAL PRADESH |                                     2 |
|        30 | NAHAN               | HIMACHAL PRADESH |                                     4 |
|        31 | SHIMLA              | HIMACHAL PRADESH |                                     1 |
|        32 | AJMER               | RAJASTHAN        |                                     9 |
|        33 | BARAN               | RAJASTHAN        |                                     4 |
|        34 | BHILWARA            | RAJASTHAN        |                                     2 |
|        35 | BIKANER             | RAJASTHAN        |                                     1 |
|        36 | CHITTORGARH         | RAJASTHAN        |                                     1 |
|        37 | CHURU CITY          | RAJASTHAN        |                                     1 |
|        38 | DAUSA               | RAJASTHAN        |                                     1 |
|        39 | JAIPUR              | RAJASTHAN        |                                     2 |
|        40 | JHUNJHUNU           | RAJASTHAN        |                                     2 |
|        41 | KOTA                | RAJASTHAN        |                                     4 |
|        42 | MOTIDOONGRI         | RAJASTHAN        |                                     1 |
|        43 | NAGAUR              | RAJASTHAN        |                                     1 |
|        44 | SIKAR               | RAJASTHAN        |                                     1 |
|        45 | TONK RAJ            | RAJASTHAN        |                                     1 |
|        46 | UDAIPUR             | RAJASTHAN        |                                     1 |

Annexure III

## State-wise Number of Female participants of the Niveshak Didi Phase-II (2025-26) Initiative :-

| Sl. No.   | State                     | No. of Female Participants   | No. of Female Participants   |
|-----------|---------------------------|------------------------------|------------------------------|
| 1.        | ANDAMAN & NICOBAR ISLANDS | ANDAMAN & NICOBAR ISLANDS    | 92                           |
| 2.        | ANDHRA PRADESH            | ANDHRA PRADESH               | 8,510                        |
| 3.        | ASSAM                     | ASSAM                        | 532                          |
| 4.        | BIHAR                     | BIHAR                        | 917                          |
| 5.        | CHHATTISGARH              | CHHATTISGARH                 | 2,582                        |
| 6.        | DELHI                     | DELHI                        | 995                          |
| 7.        | GUJARAT                   | GUJARAT                      | 2,606                        |
| 8.        | HARYANA                   | HARYANA                      | 3,162                        |
| 9.        | HIMACHAL PRADESH          | HIMACHAL PRADESH             | 1,799                        |
| 10.       | JAMMU AND KASHMIR         | JAMMU AND KASHMIR            | 615                          |
| 11.       | JHARKHAND                 | JHARKHAND                    | 1,537                        |
| 12.       | KARNATAKA                 | KARNATAKA                    | 8,954                        |
| 13.       | KERALA                    | KERALA                       | 3,351                        |
| 14.       | LEH & LADDAKH             | LEH & LADDAKH                | 35                           |
| 15.       | MADHYA PRADESH            | MADHYA PRADESH               | 7,354                        |
| 16.       | MAHARASHTRA               | MAHARASHTRA                  | 1,945                        |
| 17.       | MANIPUR                   | MANIPUR                      | 129                          |
| 18.       | MEGHALAYA                 | MEGHALAYA                    | 545                          |
| 19.       | MIZORAM                   | MIZORAM                      | 582                          |
| 20.       | NAGALAND                  | NAGALAND                     | 725                          |
| 21.       | ODISHA                    | ODISHA                       | 12,299                       |
| 22.       | PUDUCHERRY                | PUDUCHERRY                   | 410                          |
| 23.       | PUNJAB                    | PUNJAB                       | 1,059                        |
| 24.       | RAJASTHAN                 | RAJASTHAN                    | 1,408                        |
| 25.       | SIKKIM                    | SIKKIM                       | 205                          |
| 26.       | TAMIL NADU                | TAMIL NADU                   | 19,431                       |
| 27.       | TELANGANA                 | TELANGANA                    | 5,957                        |
| 28.       | TRIPURA                   | TRIPURA                      | 547                          |
| 29.       | UTTAR PRADESH             | UTTAR PRADESH                | 6,527                        |
| 30.       | UTTARAKHAND               | UTTARAKHAND                  | 1,007                        |
| 31.       | WEST BENGAL               | WEST BENGAL                  | 20,508                       |
|           | Total                     | Total                        | 1,16,325                     |