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Progress begins when we empower communities.

HDFC Bank Parivartan. A step towards progress.

At HDFC Bank, we believe that real development happens when communities find sustainable means of livelihood. Under HDFC Bank Parivartan, our CSR initiative, we reach out to such communities, instill confidence, empower them to be self-reliant and make them partners in the growth of our nation.

We do this through our core value of Sustainability, which drives all our initiatives from our Holistic Rural Development Programme, to our Zero Investment Innovation in Education Initiative, as well as our annual Blood Donation Drive. This approach enables families to break out of the vicious cycle of poverty and draws them into a cycle of growth, development and empowerment, while simultaneously maintaining the ecological balance.Needless to say, sometimes these small steps pave way for a giant transformation.

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  • 18

    No of States

  • 1000+

    No of Villages Impacted

  • 2,70,000+

    Household covered

  • 65,000+

    No of Students Covered

  • 12,900+

    No of Health Camps Conducted

  • 5500+

    No of School Sanitation Units Constructed

  • 7000+

    No of Individual Household Toilets Constructed

  • 6,80,000+

    No of SHGs formed

Holistic Rural
development

The Story

Through our Holistic Rural Development Programme (HRDP), we drive our initiatives in the focus areas of Education; Skills Training and Livelihood Enhancement; Natural Resource Management ; Healthcare & Hygiene and Financial Literacy and Inclusion. Under the programme, the Bank is working in over 750 villages across 16 states in the country.

More than 60% of our population lives in rural areas and depends primarily of agriculture, they are plagued by increasing land degradation and depletion of water resource and lack of skills For inclusive growth to happen, our villages need to grow in tandem with cities. Our Rural Development Programme (HRDP) is envisaged with the objective to transform the quality of life of villagers through multiple intervention largely within the five core focus areas i.e. Education; Skills Training and Livelihood Enhancement; Holistic rural development ; Healthcare & Hygiene and Financial Literacy and Inclusion.Under the programme, the Bank is working in over 750 villages across 16 states in the country.

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The Impact

  • 750+

    No of Villages covered

  • 2,70,000+

    No of Households Covered

  • 4000+

    No of solar streetlights installed

  • 4000+

    No of water wheels

  • 200+

    No of water harvesting structures

  • 4500+

    No of biomass stoves deployed

  • 3800+

    Acres of agricultural land treated

Case Studies

  • Test Study

    Drought Mitigation

    Tukojirao Patil, a farmer from Jalgaon district, Maharashtra, had been suffering from extreme poverty owing to the drought in the state for the past 4 years. The region faced acute water shortage, erratic rainfall leading to lack of water/soil moisture in effect causing crop failure year on year.
    The intervention by HDFC Bank, in partnership with KVGPS, addessed this issue through creating 31 ground water recharge structures. Though there is still a long way ahead, Tukojirao is now hopeful of a better future. He has joined the community in supporting the initiatives by offering his labour. HDFC Bank has undertaken the project to mitigate drought in 10 villages of Jalgaon. The programme attempts at recharging the ground water table.

  • Test Study

    Access to Renewable Energy

    Rukmanibai ran a milk delivery service, selling milk to the villagers at dusk post working at the field all day. It was particularly difficult as she carried a torch along with the milk cans. The absence of streetlights in the community, put her at risk. Energy accessibility is a key concern in the overall development of a community, as there is an astounding absence of even basic infrastructure. Lack of electricity hinders the community from being able to work productively or move safely in the dark. Today many other like Rukmanibai are able to extent their work hours, small businesses are seen thriving and groups of men and women enjoying a light moment under these lights, which have become the village's assembly point.
    HDFC Bank, through its initiative is supporting for the installation of solar based street lights in these communities. More than 4,000 streetlights have been installed in about 9 states empowering the community. The lights have been handed over to the Village Development Committee who hae been trained on maintenance and cleaning of the panels.

  • Test Study

    Construction of Water Harvesting Structure

    Premlal Kulaste, a marginal farmer from Deonala village of Chhindwara had a barren land of area around 5 acres which he had never even ploughed in last 20-25 years. After HDFC Banks intervention through WOTR, water harvesting structures have been constructed and the land treated to prevent soil erosion. With the arrest of erosion he has now been able to cutivate the land. Premlal has grown millets in his farm earning Rs. 20,000/-
    HDFC Bank in partnership with WOTR, is working in 8 villages of Chhindwara district, MP onr land treatment to reduce soil erosion. Following a ridge to valley approach, different soil and water conservation treatment methods such as trenches, stone bunds, farm bunds and refilling of farm bunds among others have been deployed. About 40 hectares of area has been treated benefitting around 60 farmers so far in the community.

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  • The Story
  • The Impact
  • Case Studies

Skills Training &
Livelihood Enhancement

The Story

For millions of Indians, formal education may be a distant dream. To ensure that their dreams of a better life materialise, we focus on equipping people with skills that can help generate a steady income and contribute to a thriving economy.

These projects range from competency-based skill-oriented training and placement, capacity building, promoting entrepreneurial activities and upskilling for agriculture and allied practices. As per the labour ministry data, India will continue to add 1 million to its workforce every month for the next 15 years. A lot of whom would come from impoverished background. Our programmes aim to create an opportunity for them to escape the cycle of poverty by creating opportunities at various levels. We focus on creating local opportunities where possible, upskilling them in their existing occupations be it agriculture or allied businesses such as dairy, poultry etc. Where possible we also provide placement linked training as well. Each of these initiatives are tailor-made to address the prevailing market conditions and geography.

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The Impact

  • 16000+

    No of youth skilled

  • 1100+

    No of entrepreneurs through income generation activities

Case Studies

  • Test Study

    Capacity building and Livelihood Promotion

    Sisilia Makri lives in Pahambir Them in Meghalaya. In addition to household chores, Sisilia helped her husband in farming, and together they earned an average of about Rs. 3000 to Rs. 4000 per month. Sisilia joined a self help group which provided training to her as well as other women in her village. They received assistance in market linkage and today they manufacture brooms which are being sold in local markets as well as being sent to Andhra Pradesh. Sisilia now makes about 30 to 40 brooms per day earnings an average of 150 rupees a day. This additional income will help her pay for her children's education and also take care of other needs. She is grateful to HDFC Bank Pvt Ltd and FXB India Suraksha for giving her this opportunity to earn. HDFC Bank tied up with FXB India Suraksha to generate employment and alleviate poverty in the community by promoting enterprise development . The focus is on agro & allied livelihood activities such as broom-making and bee-keeping.

  • Test Study

    Promoting Vocational Training

    Prathna Singh was a graduate staying in Suswahi village, Varanasi. Prathna had completed her graduation but lacked the necessary employment skills. She enrolled herself for the training programme offered by HDFC Bank through Orion Edutech in Uttar Pradesh. She underwent career assessment and counselling and chose to pursue a course in the service sector. After sucessful training, she secured a job with Big Bazaar as an executie sales officer through the job fair/ Rozgar mela organised by the institute. Today she is earning Rs. 7,500/- per month. HDFC Bank in partnership with Orion Edutech has provided training to more than 8,000 youth in the age group of 18-35 in Maharashtra and Uttar Pradesh,The programme is designed as per NSQF Standards and SSC guidelines for a variety of job roles depending on the aspirations of the candidates as well as the existing qualities and skill set. The candidates passing out through the programme are being provided with NSDC Certification as well.

  • Test Study

    Promoting Modern Agricultural Practices

    Vamanrao Bhoyar was a farmer of Sonurli village in Yavatmal. His cropping pattern was conventional and these traditional crops gave him a low income. He wanted to try alternative crops but due to lack of knowledge and technology he was not able to yield other crops. When HDFC Bank's project was launched in his village through SIED, he approached the organization for support. His farm was identified for demonstration of Floricultural (Marigold) cultivation. Through the new technology and training from experts to increase crop production, Vamanrao is now cultivating marigold flowers in his 0.40 acres. He is able to produce about 35 to 40 kg of flowers earning an average of about Rs 1200/day. SIED is working in 11 vilages in Yavatmal district.

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  • The Story
  • The Impact
  • Case Studies

Promotion of Education

The Story

The three Rs : Reading, wRriting and aRithmetic are the building blocks of education. But they must be delivered in the right environment for learning. HDFC Bank's education programmes focus on teacher training, scholarships, career guidance and infrastucture support to enhance learning across the country.

HDFC Bank's educational programmes, are aimed at the community at large and not limited to formal education. At the school level, these are structured to create a conducive environment through the provision of basic infrastructure, training of teachers, scholarships and career guidance. At the community level, the Bank also works on water, sanitation & hygiene (WaSH), creating awareness on issues related to road safety and good financial practices.

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The Impact

  • 65,000+

    No of students covered

  • 5,50,000+

    No of teachers oriented

  • 900+

    No of schools covered

  • 1100+

    No of scholarships provided

Case Studies

  • Test Study

    Promoting Innovations in Education

    Ashutosh Dubey, a government school teacher from Talgram, Kannoj had initiated a bal sansad, which aimed to empower students and encourage community participation thereby improving school enrollment . Through the ZIIEI program his innovation was amongst the 30 ideas that were selected and recommended for adoption to other schools throughout Uttar Pradesh. This recognition has further motivated him to continue providing quality education to his students. Throughthe ZIIEI project, HDFC Bank identifies zero/minimal cost grassroot innovations that have lead to improvement in existing teaching systems and processes. These ideas are disseminated to all the govenment schools for adoption. It has covered all the 75 districts in the state with training inputs delivered to 10,000 government officers, 5.5 lakh teachers, and 1 lakh head teachers. Currently, 75,000 schools of the state (at least 750 schools in every district!) are implementing zero-investment innovations to improve the quality and reach of education. In 2017, with encouragement and support of the Ministry of Human Resource Development (MHRD), Government of India, we are expanding ZIIEI to 12 states. Through the project we hope to create long-term improvement in the quality of education.

  • Test Study

    Promoting interactive teaching technique

    Shamshad Qureshi, a class seven student lacked interest in studies and it was reflected as poor attendance. His disinterest in studies was largely because he was unable to understand what was being taught in classroom. Project Disha, changed things for him, once the teachers started using innovative methods and activity based learning modules which made learning fun, he was able to understand maths and loved working with the new science kits. Shamshad and many of his friends started looking forward to school. Project Disha has been intiated by HDFC Bank through Magic Bus India Foundation in 172 schools across 143 villages in the states of Chhattisgarh, Rajasthan, Madhya Pradesh and Maharashtra to reach out to about 17,500 students The project creates an environment that enables learning, in the twin domains of academics and life skills. This is done by providing learning aids, improving teaching effectiveness through training and mentoring of teachers, encouraging parent participation through activating and strengthening of School Management Committees (SMCs) along with the goal of raising student learning levels in reading and numeracy.

  • Test Study

    Career counselling

    Namita Patidar, was a class nine student whose father was a daily wage earner. She was the eldest of four siblings and was keen to support the family, Namita was unsure of her future. At this point she attended a career guidance program at her school organised by HDFC Bank with FUEL. The counsellors spoke to her at length, conducted an aptitute test and helped her create a realistic plan for her career. She is now preparing for SSC Exam Namita receives regular updates on scholarships and competitive exams which she also shares with her friends. HDFC Bank in partnership with FUEL, is providing career guidance and employment through a career counseling system that not only bridges the information gap but also creates platforms to acquire the professional skills necessary for a successful career.
    The programme has covered over 48,000 students from Std 8th to 12th, across the states of Assam, Chhattisgarh, Haryana, Maharashtra, Punjab, Rajasthan and Uttar Pradesh

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  • The Story
  • The Impact
  • Case Studies

Healthcare & Hygiene

The Story

Scarcity of potable water in many parts of India has lead to spread of water borne diseases as well as fatal cases. Through our initiatives we provide access to safe drinking water and hygienic sanitation facilities. Our focus is on both schools as well as the community.

Community led total sanitation campaigns promoting hygienic conditions through appropriate wastewater disposals and providing safe drinking water are at the heart of this programme. Promoting hygienic practices and providing access to preventive healthcare is a paramount need for each community member. It has made possible by promoting good hygiene and sanitation practices at community as well as school level. It is supplemented further by constructing of toilets and provision of clean drinking water. HDFC Bank also addresses necessary areas in healthcare through health camps, nutrition programmes and vaccination drives. The bank also conducts an Annual Blood Donation Drive which has been recognised by the Guinness Book of World Records as the largest effort of its kind, for collecting the highest units of blood in a single day.

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The Impact

  • 61,500+

    No of beneficiaries

  • 12,900+

    No of health camps conducted

  • 7000+

    No of Individual Household Toilets constructed

  • 5500+

    No of School Sanitation Units constructed

Case Studies

  • Test Study

    Individual Household Sanitation

    All her life Raswanti Bai had to follow the age old practice of going out for defecation, at dawn or dusk, putting her at risk. Under the Swacch Bharat Mission (SBM), HDFC Bank initiated construction of Individual household toilets . Raswanti bai received the assistance and is happy that she and her daughters will not have to undergo the inconvenience any longer. She has pledged to use the tioilet and maintainthe same and is a key motivator in the village to promotiong the objective of elimination of Open Defecation.
    HDFC Bank partners with the implementing NGOs across 12 states to make these villages open defecation free (ODF) The approach focusses on participatory role of the community,along with convergence of Government funds. HDFC Bank has supported in the construction of more than 7,000 IHH units across 12 states in the country.
    Through the programme, 33 villages have been declared as ODF (Open Defecation Free) villages.

  • Test Study

    School Sanitation Programme

    Promotion of good hygienic practices is necessary for good health. Priyanka is a meritorious student, but she and her other friends often stayed at home during menstruation as her school lacked of a proper toilet facility. Under the school sanitation program HDFC Bank built a seperate girls toilet which has helped her and many other girls. Priyanka is part of the student council formed for the upkeep of the toilets and they ensure that the toilets are regularly cleaned and maintained.
    In an effort to promote good hygiene and sanitation practices, HDFC Bank has supported in establishment of sanitation infrastructure in over 900 schools in about 9 states in the country. While construction of toilets was on a need based, as per the number of students, a focused WASH (Water, Sanitation and Hygiene) programme is promoted in these schools to inculcate clean hygiene.

  • Test Study

    Helping Hands for Natural Calamities

    During the disastrous floods in June 2013, Kedarnath district in Uttarakhand was one of the worst affected. Multiple landslides resulted in mass casualties, loss of private and public assets and damage to infrastructure. Several villages were cut-off due to damage to routes.
    HDFC Bank in partnership with HelpAge India, set up a primary healthcare centre(PHC) at Phata village on main Kedarnath route in Rudraprayag. The PHC served 50 nearby villages with an approximate population of 75,000. The villagers were able to avail the services of specialist doctors, diagnostic facilities. In addition to the PHC, Mobile Health Service were made available in the nearby villages. Close to 50,000 villagers were treated through the centre in the three year period of the centre.

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  • The Story
  • The Impact
  • Case Studies

Financial Literacy and Inclusion

The Story

We believe that financial literacy is the first step towards financial inclusion. Millions have learnt about the basics of savings, investment and access to the organised sources of finance from financial literacy camps conducted across the country through HDFC Bank's 4800 plus branch network.

Our branches also focus on provision of basic financial services and capacity building programmes. In more than 2500 villages financial literacy was delivered right at the doorstep through our Dhanchayat programme which used vans to share this important message. An economically empowered community is one where the community is financially empowered, educated and has access to financial services. With this objective, HDFC Bank conducts financial literacy programmes to make smart financial decisions and encourage transactions and account opening. These workshops are executed through the Bank’s business units as well as through NGO partners. The Bank’s extensive network is also leveraged to uplift Bottom of the Pyramid sections, with a special focus on providing basic financial services and credit, financial literacy and capacity building. This is done so as to allow individuals to be more financially aware and make better financial decisions. Dhanchayat is one such initiative that aims to educate people who do not have access to formal banking channels and bring them within the fold.

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The Impact

  • 200+

    No of MtM ATMs

  • 1,29,000+

    No of Financial Literacy Camps

  • 11,80,000+

    Participants Covered under FLC:

  • 2500+

    No of Dhanchayat

  • 3600+

    No of Digital Literacy Camps

Case Studies

  • Test Study

    Dhanchayat

    In FY 2015-16, under the aegis of Swachch Banking, the Bank’s CSR initiative for rural India. HDFC Bank launched ‘Dhanchayat’ an educational film series to raise awareness on the dangers of borrowing money from unorganised sources, Dhanchayat has focused on financial literacy by delving on the good habits of savings. While the first film touched on the dangers of borrowing from unorganised sector, the next film titled 'Panch Kayde ke Panch Fayde' touched on the virtues of savings, deposits, avenues of banking and loans. As part of Swachch Banking, which aims to raise awareness about clean and convenient banking, HDFC Bank-branded Dhanchayat video vans travelled across East, West, South, North and Central India, covering thousands of villages across the country. The vans stop at assembly points such as haats, bazaars, melas, mandis and village Panchayats. Over 2500 village have been covered under the initiative.

  • Test Study

    Digital literacy

    In order to create an agile and efficient digital economy it is imperative to bridging the existing gap in digital knowledge. Our Digital Literacy Mission (DLM) is an initiative that aims to create at least one digitally literate individual per household in the country, thus empowering them on the digital platform. In partnership with the Information & Communication Technology (ICT) the DLM centre empowers the community by conducting capacity building and training programs to engage citizens in diverse age groups and across in diverse communities such as Women, youth and children in urban, semi urban & rural communities. The first centre, set up in Shingadewadi village, aims to make 200 individuals digitally literate, thus empowering 200 households in effect. With the aid of basic internet facilities, and necessary software, dissemination of information is carried out and helps the train the individuals on the digital platforms. The usage of internet for training on the platforms, ensures that the capacity building will be carried out in a sustained manner.

  • Test Study

    Milk to Money

    Bhikhabhai Patel, is a dairy farmer from the rural community with no formal education. However he wanted his son to get the best educational opportunity possible, and his son Mayank was a bright boy studied hard to fulfill his fathers dream. Mayank got an opportunity to pursue a programme in Singapore; however, in order to go ahead, he needed an educational loan. Bhikabhai, in order to attain any such loan, needed to have access to financial services. Bhikabhai, was a regular user of the Multi-Functional Terminal (MFT) provided by HDFC Bank and regularly poured milk at the terminal. The Milk to Money Terminal (MFT) technology captures the quantity and quality of milk every time milk is poured by connecting to the fat tester and weighing machine. This data in converted into an accounting entry instantaneously which credits the farmer's account. The MFT contains a cash dispenser that functions as standard ATM, thus the farmer can withdraw the amount from his account immediately if needed. Because of the MTM which had helped build his credit history Bhikabhai, was able to avail of a loan for his son and fulfill his dreams for a better future. The MTM has similarly in addition to providing quick access to their money also helped the farmers build their credit history thus allowing them to take advantage of all financial services.

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  • The Story
  • The Impact
  • Case Studies

Sustainable Livelihood
initiative

The Story

At HDFC Bank, our Board mandated Sustainable Livelihood Initiative captures almost all the aspects of ‘Creating Sustainable Communities’. It is a holistic approach to making a difference to the lives of people from the unbanked and underbanked sections of society, bringing them to the banking fold and empowering them.

It encompasses occupational training, financial literacy, credit counselling, livelihood finance and market linkages. Our Sustainable Livelihood Initiative (SLI) is a holistic model aimed at empowering women at the Bottom of the Pyramid in the un-banked and under-banked segment of the population. The initiative provides a bouquet of financial and non-financial services which includes vocational training, financial literacy, insurance and access to credit facilities. This approach of offering affordable credit eliminates middle men and money lenders, allowing beneficiaries to spend the loan in some income generating activity.
Through SLI, women have availed credit for themselves and utlised for improving their occupations like tailoring, designing artificial jewellery, setting up grocery shops, livestock rearing, handicrafts etc.
Financial literacy and credit counselling educates the women on financial acumen and enable them to actively participate in household financial management besides creating awareness on banking habits, classifying their needs, wants and vices, insurance to mitigate uncertainties and using credit only for enterprise activities.

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The Impact

  • 6,80,000+

    No of Groups formed

  • 41,00,000+

    No of women trained

  • 2,50,000+

    No of women supported through Capacity Building programmes

Case Studies

  • Test Study

    Promoting Women Entrepreneurship

    Thirty two year old mother of three children Sarita Tilwani is the sole bread earner of the family. She was worried about how she would bring up their two daughters and son. When she found out about HDFC Bank’s Sustainable Livelihood Initiative operation in her village, she joined Om Sai HBG group in Ajad village of Pipariya District and started her own tailoring business after training provided by HDFC Bank.

  • Test Study

    Supporting Small Businesses

    Anima Sill from Noonmati, Assam was running a small embroidery business in her village. The support for her necessity was provided by HDFC Bank by providing training to a person who can put her effort and make herself a self made person. She joined hands with Milijuli HBG group in Noonmati village. Prior to that, her family’s only source of income was from agriculture which was not enough to fulfill the needs of her family of five members. Sustainable Livelihood Initiative of HDFC Bank supported many women like Anima, who can improve the overall well-being of their families.

  • Test Study

    Women Empowerment

    Sarojini Pradhan of Rourkela, Odisha lost the bread winner in her family when her husband suddenly passed away. But unlike many women in her state, she decided to take steps to support her family and look to the future. Support from SLI helped the purchase of articles and stones for artificial jewellery which she sold through small shops in her area. Today, she lives an independent life and is the source of strength for others. In her words "I got help at a crucial stage of my life. I had lost the only earning member of the family and life came to a halt. It has made me strong enough to take on the responsibility of looking after the entire family".
    HDFC Bank's Sustainable Livelihood Initiative empowers women in rural India by support them such as occupational training, credit counselling and financial literacy training.

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  • The Story
  • The Impact
  • Case Studies

Organizing blood donation drive

HDFC Bank conducts one of India's largest single-day blood donation drives. The Bank started this initiative in 2007 when over 4,000 volunteers came forward to donate blood. Over the past eleven years, this initiative has grown in size and stature. On 8th December 2017, HDFC Bank's All India Blood Donation Drive was attended by 2,56,000 volunteers, with 2,19,000 units collected.

Blood Donation

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