Selection of Village and Area

• Name of Grampanchayat: Grampanchayat Pimparkhed, Tal-Shirur, Dist-Pune

• Year of Establishment: 1963

• Total Area of Village: About 365 Ha.

• Agricultural Area of Village: About 270 Ha.

• Major source of Income for villagers: Farming

• Banks Available in the Village:

Bank of maharashtra

• Selected Area for FLP: Dattawadi,Dhomemala,Devgaon At/post- Pimparkhed,

Tal-Shirur, Dist.- Pune

• Participatory Rural Appraisal

SELECTED FARMERS AND WOMEN’S

Sr. No. Name of Farmer/Women

1 Kunda Ramesh Bombe

2 Ashwini Sachin Takalkar

3 Vandana Govind Takalkar

4 Anita Santosh Takalkar

5 Reshma Rahul Bombe

6 Madhuri Sachin Bombe

7 Madhuri Vijay Khandage

8 Alka Vinayak Dhome

9 Meena Sakharam Dhome

10 Ranjana Haribhau Dhome

11 Varsha Satish Shelke

12 Vishaka Dagdu Vare

13 Manda Sachin Pokharkar

14 Sujata Dilip Dabhade

15 Aishwarya Namdev Dabhade

16 Amol Vinayak Dhome

17 Sagar Jayvant Bombe

18 Umesh Baban Bombe

19 Sachin Ramdas Vare

20 Ashok Shankar Takalkar

Result of Baseline survey before training.

• Smart Mobile Phone

Particulars PersonsPerson
Yes 18

No 2

Total 20

10%

90%

Yes No

• Awareness of Modern Banking

Particular Person

Yes 15

No 5

Total 20
 25%
75%

Yes No
• Use of Modern Banking Technologies

Particular Person

Yes 15

No 5

Total 20

50% 50%

Yes No
• Type of Modern Banking Technology Used

Particular Person

ATM 6

Internet Banking/ 5
Mobile Banking
Other 9

Total 20

45% 30%
25%

• Farmers and Women’s knowing about Maha-DBT

Particular Person

Yes 14

No 6

Total 20
 30%
70%

Yes No

 Ever Taken any Benefits of DBT:

Particular Person

Yes 8

No 12

Total 20

40%
60%

Yes No
Design and Implementation Of training Program

• Collection of information during the financial literacy

• Self Study of financial literacy program

• Identifying the products and services of bank

• Designing a strategy to implement the FLP

• Implementation of FLP

Direct Benefit Transfer or DBT

Direct Benefit Transfer or DBT is an attempt to change the mechanism of transferring

subsidies launched by Government of India on 1 January 2013. This program aims to
transfer subsidies directly to the people through their bank accounts.
Modern Banking

Modern Banking Systems also known as E-banking systems is a Windows access, full
point-and-click, on-premise provider offering Core Data Processing Solutions, Item
Capture, Imaging Solutions, and Management Information Systems[5]. All of these
programs are an integral part of the core solution.

Digital Banking

• BHIM

Bharat Interface for Money (BHIM) is an app that lets you make simple, easy and
quick payment transactions using Unified Payments Interface (UPI). You can make
instant bank-to-bank payments and Pay and collect money using just Mobile number or
Virtual Payment Address (VPA)

• Missed call Facility

Please give the missed call from registered mobile number to the following numbers:
Balance Enquiry 95552 44442
Mini Statement 95551 44441

• Mobile Banking

Cent Mobile app is mobile banking application with enhanced features offered by
Central Bank of India. It is available for all leading mobile OS (Android, Apple iOS,
Windows Mobile, Blackberry). This new app is customized keeping in view your
banking requirements. Cent Mobile is Smart, Simple and Secure application. All
frequently required banking services can be accessed through Cent Mobile. Users can
access most of the banking services anywhere any time through internet enabled
handsets. Pre login features are accessible to all without registration. Post login features
can be accessed by customers of Central Bank of India after completing one time
registration process.

• NEFT

NEFT is an electronic payment system developed by RBI to facilitate transfer of funds

by customers from one bank to another bank in India. It is a secured, economical,
reliable and efficient system of funds transfer between banks.
At the time of funds transfer, the remitter has to furnish the necessary details i.e., Name
& Account No. of the beneficiary, Name of bank/branch and IFSC Code of the
beneficiary branch. All our CBS branches have been enabled for both RTGS/NEFT
transactions. Address and IFSC Codes of NEFT enabled branches can be had from the
Branch Locator available on the Home page of this site or by clicking on the following
link.
Click here for IFSC Code of RTGS/NEFT branches
Click here to download NEFT/RTGS Application Forms

• RTGS

RTGS is a modern, robust, integrated payment and continuous (real time) settlement
system developed by RBI, whereby the Banks and Financial Institutions (Member
Banks/FIs) transfer funds (both for customers and inter-bank transactions) to one another
on an immediate, final and irrevocable basis during the stipulated business hours.

Internet Banking
Online Locker Application
Online Saving Account Opening
Online banking
Railway Ticket Booking (IRCTC)
Apply Online for Loan

ATM Cards

Debit Cards

• Debit cards, also known as check cards, do everything ATM cards do but can
also be used for purchases anywhere credit cards are accepted, including retail
stores and online sites. The funds from these transactions are taken directly
from your checking account. The issuer of these cards will often charge a
monthly fee for the convenience of using the debit card instead of paper checks.

• Ideal for: Substitute for checks, some everyday purchases, access to cash

Credit Cards

• Credit cards let you borrow from your credit card issuer. Funds do not come
directly out of your checking account. You will have a loan balance for any
advance you take that you must pay off at a later date. Since it's a loan, your
credit card comes with interest charges. However, if you pay the entire
balance on time every month, you can usually avoid paying interest (and late
payment fees).

• Ideal for: Everyday purchases, building good credit

 Kisan Credit Card Scheme

• The Kisan Credit Card Scheme aims at providing timely and adequate credit to
farmers to meet their needs at the time of crop production (cultivation expenses),
besides meeting contingency expenses. It also covers expenses related to
ancillary activities through simplified procedures in obtaining loans as and when
needed.

Pradhan Mantri Fasal Bima Yojana (PMFBY)

• The PMFBY was launched in 2016 and replaces all the prevailing yield insurance
schemes in India. The scheme has been launched with an impetus on crop sector.
The scheme has extended coverage under localized risks, post-harvest losses etc.
and aims at adoption of technology for the purpose of yield estimation. Through
increased farmer awareness and low farmer premium rates the scheme aims at
increasing the crop insurance penetration in India.

Evaluation of impact of training to the farmers & womens

• Do you understand the Modern banking and its operations?

5%

95%

Yes No
• Do you like Modern banking Technologies?

10%
90%

Yes No
• Which Mode of transaction is easy?

30%
70%

ATM Online
• Which method of transaction do you like?

20%
80%

online cash

• Are you happy with the training session?

5%

95%

Yes No
 Summary:

1.The performance of the module-IV i.e. Financial literacy program for farmers and
women’s was started with the selection of the village and participatory rural appraisal. The
module was divided in the 3 weeks for different criteria and specs.
2.In 1st week of the FLP, collection of the primary and secondary data of the financial
literacy program was carried out. After the collection of data village and area section for
the FLP was identified, in which students own village has been selected as the host village
due to pandemic. The participatory rural appraisal were identified, each student has to
carried the survey among at least 20 farmers and women’s. The pre- training survey was
carried out on the basis of a primary questionaries containing the questions of the Modern
banking, Maha-DBT, ATM, Credit Card, Debit card, Banking products and services etc.
3.In the 2nd week of the module the Design & Development of the strategy for the training
to farmers.
In the 3rd week of the module, the post-training survey was carried out with the questions
regarding the training and the satisfaction of the training. At last the session of experience
gained by the students through these hands on training module was discussed
 Conclusion

• Through the pre-training and post-training survey of the module, I

have reached to the following conclusion.

• Many of the farmers and women’s are not aware about the
modernization of banks and its services.

• They are far away from the modern methods of transactions.

• The farmers and women’s takes the benefits of Maha-DBT but still
they doesn’ know what actually is DBT.

• While the training session, farmers were much interested in the

session and were happy to know the key facts regarding the
modernization of banks as well as services and products of the
banks.

Experience Gained
1. In this module FLP I got familiar with the various aspects of financial literacy.

2. I got chance to communicate with the farmers and women’s

regarding the things which are far away from their generation.

3. I got chance to understand various banking products and services and

the use and operation of it.

4. I was happy to organize a training session for the farmers and

women’s regarding the financial literacy program.

 PHOTOGRAPH

Bank of maharastra Manager