**Summary: Niveshak Didi Phase 2 Policy Analysis**
The Ministry of Corporate Affairs addressed Lok Sabha Starred Question No. 106 on July 28, 2025, regarding the Niveshak Didi Phase 2 scheme. The scheme aims to enhance financial literacy among rural and semi-urban populations, with a particular focus on women across India.
Phase 2 of Niveshak Didi plans to conduct 4000 financial literacy camps across the country, including the states of Rajasthan, Gujarat, Karnataka, Madhya Pradesh, and Himachal Pradesh.
To increase women's participation and contribute to the Viksit Bharat 2047 vision, the scheme employs a "By Women, For Women" model. Women postal employees and local women leaders are trained as "Niveshak Didis" to conduct camps primarily targeting women in rural areas. Financial literacy sessions are offered in 13 Indian languages, incorporating cultural examples and storytelling to make financial concepts relatable.
Doorstep community-level outreach is conducted at Anganwadis, self-help groups (SHGs), panchayat halls, and women-only gatherings, facilitated by SHGs and Mahila Mandals. Niveshak Didis conduct home visits to provide financial education within women's familiar environments, especially in areas with mobility restrictions.
Key Entities Referenced
Niveshak Didi Phase 2: A financial literacy scheme by the Government of India targeting rural and semi-urban populations, especially women.
SHRI SATISH KUMAR GAUTAM: Member of Parliament who raised a question regarding the Niveshak Didi Phase 2 scheme.
SHRI JANARDAN MISHRA: Member of Parliament who raised a question regarding the Niveshak Didi Phase 2 scheme.
SHRIMATI NIRMALA SITHARAMAN: The Minister of Finance and Corporate Affairs, responsible for answering the question about the Niveshak Didi Phase 2 scheme.
Rajasthan: One of the states in India where Niveshak Didi Phase 2 is being implemented.
Gujarat: One of the states in India where Niveshak Didi Phase 2 is being implemented.
Karnataka: One of the states in India where Niveshak Didi Phase 2 is being implemented.
Madhya Pradesh: One of the states in India where Niveshak Didi Phase 2 is being implemented.
Himachal Pradesh: One of the states in India where Niveshak Didi Phase 2 is being implemented.
Viksit Bharat 2047: A broader vision that the Niveshak Didi scheme aims to contribute to.
GOVERNMENT OF INDIA
MINISTRY OF CORPORATE AFFAIRS
LOK SABHA
STARRED QUESTION NO. 106
ANSWERED ON MONDAY, JULY 28, 2025/ SRAVANA 6, 1947 (SAKA)
NIVESHAK DIDI PHASE 2
QUESTION
*106. SHRI SATISH KUMAR GAUTAM:
SHRI JANARDAN MISHRA:
Will the Minister of CORPORATE AFFAIRS be pleased to state:
(a) the details of the estimated number of rural women and geographical
areas targetted by the Government under the Phase 2 of Niveshak Didi
Scheme across the country, State-wise.;
(b) whether the Government has set any measurable targets to improve
financial literacy through the said scheme in the country, if so, the details
thereof, State-wise particularly in Rajasthan, Gujarat, Karnataka, Madhya
Pradesh and Himachal Pradesh; and
(c) the steps being taken to ensure larger participation of women in the said
scheme to contribute to the broader vision of “Viksit Bharat@2047”?
ANSWER
THE MINISTER OF FINANCE (SHRIMATI NIRMALA SITHARAMAN)
AND CORPORATE AFFAIRS (श्रीमती निममला सीतारामि)
नित्त एिं कारपोरेट कार्म मंत्री
(a) to (c): A Statement is laid on the Table of the House.
********STATEMENT REFERRED TO IN REPLY TO PART (a) TO (c) OF LOK SABHA STARRED
QUESTION NO. *106 (6th POSITION) FOR 28TH JULY, 2025 REGARDING ‘NIVESHAK DIDI
PHASE 2’
(a)&(b): Niveshak Didi Phase 2 envisages 4000 financial literacy camps targeting
rural and semi urban population including women, across the country
including Rajasthan, Gujarat, Karnataka, Madhya Pradesh and Himachal Pradesh.
Camps are aimed to provide financial literacy and awareness, especially to
women.
(c): To ensure larger participation of women in the said Scheme, following steps
are taken to contribute to the broader vision of “Viksit Bharat@2047:
(i) “By Women, For Women” Model
Women postal employees and local women leaders as trained as Niveshak Didis.
They hold camps targeting mostly the women of rural areas or the postal region
they serve. Financial literacy sessions are conducted in 13 Indian languages,
ensuring accessibility for women who are not fluent in English or Hindi. Cultural
examples and storytelling make concepts relatable to the daily financial lives of
women.
(ii) Doorstep & Community-Level Outreach
Camps are held at Anganwadis, self-help groups (SHGs), panchayat halls, and
women-only gatherings with the help of Self-Help Groups (SHGs) and Mahila
Mandals. Niveshak Didis visit homes and neighborhoods, bringing financial
education to women’s comfort zones, especially in areas where mobility is
restricted.
********