**Executive Summary**
The Ministry of Corporate Affairs reports on initiatives by the Government and the Reserve Bank of India (RBI) to strengthen financial awareness and safe banking practices across communities, emphasizing investor-focused outreach. Key initiatives include the Centre for Financial Literacy (CFL) Project, Financial Literacy Centres (FLCs), Financial Literacy Week (FLW), and the "Niveshak Didi" program, with Phase II of the Niveshak Didi program launched on April 7, 2025. The information was provided by Shri Harsh Malhotra in a written reply to a question in Lok Sabha today.
**Key Points / Main Content**
* **Centre for Financial Literacy (CFL) Project:**
* Initiated by RBI to adopt community-led approaches to financial literacy.
* 2,421 CFLs have been set up, with one CFL covering three blocks on average.
* **Financial Literacy Centres (FLCs):**
* Banks conduct camps through FLCs on "Going Digital" using UPI and *99# (USSD).
* Targets general public and specific groups.
* **Financial Awareness Messages (FAME):**
* Rural branches of banks must conduct one camp per month covering all messages in the FAME booklet.
* Messages cover basic banking, digital financial literacy, and consumer protection.
* **Financial Literacy Week (FLW):**
* Conducted annually since 2016 to promote financial education on various themes.
* **RBI Public Awareness Campaign:**
* RBI's "RBI Kehta Hai" uses multimedia to promote financial literacy and safe banking practices.
* **Investor Awareness Programmes (IAPs):**
* IEPFA undertakes IAPs across the country.
* Camps are organized, including the “Niveshak Didi” initiative at Anganwadis, Self-Help Groups (SHGs), and women-only gatherings.
* **Niveshak Didi Program:**
* IEPFA partnered with India Post Payments Bank (IPPB) to promote financial literacy through 1110 camps, reaching over 68738 beneficiaries.
* Phase II launched on April 7, 2025, expanding the initiative at PAN India Level.
* Envisions 4000 financial literacy camps targeting rural and semi-urban populations.
* Around 40,000 women postal workers will be trained as community financial educators.
**Impact Analysis**
**Stakeholder: General Public**
* **Impact**: Increased financial literacy and awareness of safe banking practices.
* **Action Required**: Participate in CFL, FLC, FLW, and IAP programs to improve financial knowledge and skills.
**Stakeholder: Rural and Semi-Urban Populations (especially women)**
* **Impact**: Targeted financial literacy through the Niveshak Didi program.
* **Action Required**: Engage with Niveshak Didis and attend camps to learn about responsible investing, fraud prevention, and digital banking.
**Stakeholder: Banks and India Post Payments Bank (IPPB)**
* **Impact**: Required to conduct financial literacy camps and support the Niveshak Didi program.
* **Action Required**: Conduct monthly FAME camps and facilitate Niveshak Didi initiatives to promote financial education.
**Stakeholder: Postal Workers**
* **Impact**: Will be trained as community financial educators.
* **Action Required**: Undergo training to effectively deliver financial education at the grassroots level.
Key Entities Referenced
Investor Education and Protection Fund Authority (IEPFA): Authority undertaking Investor Awareness Programmes (IAPs) to impart financial literacy and awareness.
Niveshak Didi: A scheme under IEPFA in partnership with IPPB to promote financial literacy through camps, particularly targeting women and rural areas.
Reserve Bank of India (RBI): The central bank of India, which initiated the Centre for Financial Literacy (CFL) Project and conducts Financial Literacy Week (FLW).
Financial Awareness Messages (FAME): A booklet containing messages on various facets of financial literacy including basic banking, digital financial literacy, consumer protection.
India Post Payments Bank (IPPB): Partnered with IEPFA under the 'Niveshak Didi' program
Ministry of Corporate Affairs
IEPFA has Strengthened India’s Financial
Awareness Ecosystem through Investor-Focused
Outreach
CFL initiatives, financial literacy camps, FAME outreach and
the Niveshak Didi scheme are promoting financial awareness
and safe banking practices across communities.
प्रव तथ: 08 DEC 2025 7:31PM by PIB Delhi
The Government has been taking numerous financial literacy measures, as given below.
i. The Centre for Financial Literacy (CFL) Project has been initiated by the Reserve Bank of India
(RBI) with an objective to adopt community-led innovative and participatory approaches to
financial literacy. A total of 2,421 CFLs have been set up across the country, with one CFL covering
three blocks on an average.
ii. Banks conduct camps through their Financial Literacy Centres (FLCs) on "Going Digital" through
UPI and *99# (USSD) for general public and tailored camps for different target groups.
iii. Rural branches of banks are required to conduct one camp per month covering all the messages that
are part of the Financial Awareness Messages (FAME) booklet, which, inter alia, contains messages
on various facets of financial literacy including basic banking, digital financial literacy, consumer
protection etc.
iv. Financial Literacy Week (FLW) has been conducted every year since 2016 to propagate the message
of financial education on various themes among members of the public across the country.
v. RBI’s multi-media, multilingual public awareness campaign, titled "RBI Kehta Hai" uses various
mediums to promote financial literacy and to educate the public on safe banking practices.
vi. Investor Awareness Programmes (IAPs) are being undertaken by Investor Education and Protection
Fund Authority (IEPFA) across the country. Under these IAPs, financial literacy and awareness are
imparted by organising camps. “Niveshek Didi” is one such initiative wherein 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.
Investor Education and Protection Fund Authority (IEPFA) had partnered with India Post Payments Bank
(IPPB) under the “Niveshak Didi” program to promote financial literacy through 1110 camps reaching
over 68738 beneficiaries across India. Niveshak Didi Phase II has been launched on 7th April, 2025 for
expanding the reach and outcome of this initiative at PAN India Level. Niveshak Didi Phase-II, envisages
4000 financial literacy camps on responsible investing, fraud prevention and digital banking targeting
rural and semi urban population including women across the country. 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.This information was given by the Minister of State in the Ministry of Corporate Affairs; and the Minister
of State in the Ministry of Road, Transport and Highways, Shri Harsh Malhotra in a written reply to a
question in Lok Sabha today.
*****
NB/PK
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