Our Major Initiatives
“Without environmental sustainability, economic stability and social cohesion cannot be achieved” – Phil Harding
Drawing attention to the water crisis that India is staring at, in June 2018, the Government of India’s Niti Aayog published a report on India’s Water Management by states. The report highlights that:
- More than 600 million people face high-to-extreme water shortage.
- 75% of households do not have drinking water on premise.
- 70% of our water is contaminated; India is currently ranked 120 among 122 countries in the water quality index. This leads to nearly 200,000 deaths each year.
- 21 cities including New Delhi, Bengaluru, Chennai and Hyderabad, will run out of groundwater by 2020, affecting 100 million people.
- If nothing changes, and fast, things will get much worse: the report estimates that by 2030, India’s water demand will be double that of the supply, with severe water scarcity on the horizon for hundreds of millions of people.
IndusInd Bank recognizes the urgent need for efforts in the area of Water Stewardship and is working to improve the situation in rural and urban India. Some of our projects include the following:
State: Madhya Pradesh
As a key initiative under Water Stewardship, IndusInd Bank has embarked on the Watershed Development Programme in collaboration with WOTR (Watershed Organisation Trust), an NGO, recognised widely as a premier institution in the field of participatory Watershed Development and Climate Change Adaptation.
Watershed Development is the multi-dimensional approach that has become a trusted tool for the overall development of villages living within a watershed area. A watershed area is the area around the natural drainage system (rainwater flow path) of a geographic region. Watershed Development encompasses the conservation, regeneration and the judicious use of all the resources – natural (like land, water plants, animals) and human – within the watershed area. It additionally includes dimensions like equity, sustainability, gender and peoples participation.
In the first phase, for FY 2018-19 the project is being implemented in 3 districts of Madhya Pradesh, namely Anuppur, Mandla and Chhindwara. It covers 12 villages including 2,111 households and a population of 9,218, dominated mainly by tribes like Gonds and Baigas while the remaining belong to other backward classes like Bairagi, Yadevas and Ahir. These clusters of villages have a combined geographical area of 5,122.92 ha. Of this, the combined Net Sown area is 3,150.86 ha and only 3.9% of this land (121.95 ha) is irrigated. With no water bodies in the area, there is high dependency on rainfall.
Though the selected clusters receive about 700 mm to 900 mm of rainfall annually, the water flows down the natural path, known as drainage lines, and is lost without either recharging the groundwater levels as it should or without being captured. This leads to over exploitation of Natural Resources like ground water. This has a ripple and detrimental effect on the environment, agricultural productivity, livestock, health and livelihood of the local community. Increase in poverty and marginalization is a direct outcome of all this.
The sustainable solution is Watershed Development. Below is an example of how the Watershed Development executed earlier in another project by our implementing partner (WOTR) has changed the landscape of the region over time.
The Bank’s project in the 3 districts of Madhya Pradesh has the following steps:
Social Awareness and Mobilization
The success of this project depends on the participation of local communities and the adoption of the new and sustainable practices. Therefore, the first step in the project was to create a Village Development Committee (VDC) in all villages respectively. This was followed by the conducting of village meetings, to explain the project and its activities. In addition, wealth ranking exercises are being conducted and have been completed in 7 villages so far.
The objectives behind conducting the wealth ranking exercise before the actual implementation of the project are to ensure:
Equal representation in the Village Development Committee (VDC) formed in all villages.
Additional support required by the Poorest of Poor (POP) category families in project implementation, is given to address equity.
The process also helps to understand social dynamics, which is important for the successful planning, monitoring and implementation of the project.
Soil and Water Conservation (SWC)
The steps involved include:
Initial work includes the hands-on training of the local communities, based on principle of “learning by doing” to help them understand the various treatments, and their objectives.
As a part of this, communities have initiated Soil and Water Conservation activities identified as appropriate for their respective areas. These include the construction of structures like:
- Loose Boulder Structures (LBS) to check the runoff velocity to capture fertile top soil that gets eroded. Additionally, LBS Structures help to maintain water harvesting structures like check dams by preventing silting there.
- Earthen Gully Plugs (EGPs) at the origin point of streams to reduce the speed of surface water runoff and prevent fertile soil erosion.
- Stone Bunds (SB) that are mainly constructed on farm land. The stone bunds form a barrier that slows down water runoff, allowing rainwater to seep into the soil and spread more evenly over the land. This slowing down of water runoff helps with building-up a layer of fine soil and manure particles, rich in nutrients.
Participatory Net Plan (PNP) refers to the process of surveying and planning of the type of treatment that needs to be carried out on different parts of the watershed area. In this process, the farmer couple participates along with the VDC members and the technical expert. The survey number wise plan is compiled at village level and shared with entire community.
Execution of Soil and Water Conservation (SWC) has begun in one of the clusters with the creation of Water Absorption Trenches (WAT) and will also include the creation of Continuous Contour Trenches (CCT). Both these treatment methods will reduce the water run off velocity, check soil erosion and recharge the ground water. In addition, Afforestation (the planting of trees) is being carried out where necessary.
Water Resource Development
This will include the creation of 6 water harvesting structures, primarily check dams, before the onset of the next monsoons.
Introduction of Sustainable Agricultural Practices
Villagers are trained and encouraged to take up sustainable agricultural practices through field schools and demonstrations. Recently, they have been trained on creating formulations of organic fertilizers and pesticides like amrit pani, dashparni, neemastr and amrit khaad through locally available materials. Demonstrations will be organized in the Rabi season.
IMPACT: Watershed Development Programmes are long-term projects and the intended and projected impact is manifold. The biggest primary benefit of Watershed Development is increase in the ground water table that will have a ripple effect like an increase in the area under irrigation.
- Greater availability of water for irrigation, lowering of input costs on adoption of sustainable agricultural practices and higher yield with sowing in both rabi and kharif seasons will lead to higher income in the communities.
- With the increase in green cover, availability of fodder will increase, resulting in healthier cattle and higher milk production.
- Higher income would result in better standard of living for all and more affordability of basic necessities. Purchase power will increase, positively impacting the local economy.
- With the cropping in both, the Rabi and the Kharif season, agriculture employment will be available more months of the year. This will greatly reduce distress migration from these villages to nearby towns and cities.
- Higher ground water levels mean that there is water throughout the year for irrigation and drinking. An important social impact of this is that girl children instead of walking long distances to get water get a chance to go to school instead.
- As far as the environment goes, the landscape becomes greener overtime, not only increasing the biodiversity of the region, but also increasing the availability of fodder for livestock. Greater number of trees would also increase better air quality, cooler climate and higher rainfall.
Restoration of Water Bodies
State: Tamil Nadu and Haryana
Considering the severe water crisis building up across Indian cities, IndusInd Bank focuses on the restoration and the conservation of water bodies, particularly in urban centres. Water bodies are an important part of an urban ecosystem. Whether they are lakes, ponds or others, they play a vital role ranging from being a source of drinking water, recharging groundwater, acting as sponges to control flooding, supporting biodiversity, often serving as recreational areas, and providing livelihoods through activities like fishing.
In Chennai, the Bank has restored the 26-acre Sholiganallur Lake, the Ramchandra Nagar Pond and the Kulappan Nagar Pond that are 1.8 acres respectively. These water bodies saw a decline in their water holding capacities due to encroachment, siltation, dumping of waste among other things. Through its implementing partner -- Environmentalist Foundation of India (EFI) – IndusInd Bank embarked on the restoration of these water bodies using a scientific approach and community engagement for sustainable results. The interventions included:
- Deepening through desilting.
- Cleaning through the removal of invasive plants and garbage through community involvement.
- Formation and strengthening of bunds respectively.
- Creation of recharge pits.
- The creation of a G-shaped island in the centre of Sholinganallur lake as a nesting spot for birds.
- Fencing to prevent encroachments.
- Regulation of inlets from households around the ponds.
- Employee Engagement activities for garbage-removal, beautification through wall painting and the plantation of trees of native species.
In Gurugram, IndusInd Bank has refurbished a 2.2 km stretch of the Wazirabad Drain. This nallah was built to serve as a storm water drain and recharge system that was meant to channel the rain water that flowed from the Aravalli hills. However, over time, this was blocked and contaminated with the dumping of construction debris and garbage from surrounding residential colonies and slums, making it with sewage disposal from surrounding villages and residential colonies, leading to adverse environmental and hygiene hazards.
Through its implementing partners -- IAmGurgaon and Centre for Environmental Research and Education (CERE) – the Bank has cleaned the drain and refurbished its embankments. The interventions included:
- Removal of all the debris and garbage.
- Fortifying the slopes of the embankment.
- Securing the periphery with fencing to prevent encroachments.
- Planting trees of native species through employee volunteering, and the involvement of local school children
- Over 100,000 beneficiaries.
- Close to 19.8 million litres of additional water storage capacity created.
- Ground water level to increase due to percolation of retained water.
- By reducing the inward flow of sewage and waste water, there is now better quality of water at the surface and percolating to the ground.
- Engagement and sensitisation of local communities to make the initiative sustainable.
- A huge quantity of plastic and debris were removed totalling to 105 Trucks. That made the nallah free-flowing again.
- Over 10,200 trees of 50 native species were planted to beautify the embankment and prevent soil erosion. This will support the biodiversity of the area.
- With the stench leaving with all the debris and garbage that was removed, this has now become a recreational spot and a thoroughfare for cyclists and those on foot.
- The free-flowing drain is now able to perform its duty of carrying rain water, thus preventing flooding and recharging the ground water.
In the quest for development, environment is often the casualty. By 2030, more than 40% of India’s population will live in urban centres. Yet, many Indian cities fall well below the World Health Organisation (WHO) recommended standard of 9 m2 of green space per capita. This includes Mumbai (1.24 m2/person), Chennai (0.81 m2/person), Kolkata (2.0 m2/person) and Jaipur (2.30 m2/person). As the conflict between the environment and development unfolds, these numbers will only worsen, unless more and more trees are planted for every one cut.
Urban Afforestation Programme
State: Maharashtra, Delhi, Haryana, Rajasthan
IndusInd Bank believes that ‘Good Ecology is Good Economics’. Through its implementing partner CERE (Centre for Environmental Research & Education), from 2015-2018, the Bank has planted 41,000 native trees across 31 locations across 7 cities where it operates. These are Mumbai, Delhi NCR, Gurgram, Pune, Nashik, Jaipur and Bikaner. The aim of this project is threefold:
- To restore and promote biodiversity in urban spaces by planting only indigenous tree species as they promote local biodiversity and support the growth of healthy ecosystems.
- To promote awareness on the importance of planting trees, by involving IndusInd Bank employees, local school children and the local community in the plantation activities, which includes an orientation.
- To fight against Climate Change through the mitigation of Green House Gases (GHG) as these plantations will act as a soaking pit for these.
The project involves 5 essential steps.
- Firstly, a Feasibility Assessment of potential plantation sites were conducted, which involved checking water availability, soil quality and the availability of gardening labour for the maintenance of saplings.
- Once the locations were confirmed, the second step was Planning to determine the species to be planted, number and the distribution of tree saplings (a minimum of 4 feet tall) to be accommodated on the selected site.
- The Land Preparation was the third step, which included pit digging and the removal of undergrowth.
- The Plantation of the Saplings either by Volunteers or Labourers was the fourth step.
- Monitoring of the saplings at each plantation is the final and a vital step for a high survival rate.
- It has been certified that IndusInd Bank’s Urban Afforestation Programme which involved the plantation of 41,000 native trees has a Carbon Sequestration Potential of 10,975.39 MT of CO2 (offsetting over 15 years). This is important as GHG mitigation is an important step in the fight against Climate Change.
- Another important impact that the Bank wants to achieve through this programme is the increase in Ground Water levels. Our cities are facing a severe depletion of ground water levels, especially on account of the reduction in the green cover.
- The use of native species of trees in the programme gives a boost to the reducing habitat for local birds, animal and insects, thus protecting the biodiversity of the area.
- The trees planted will help to purify the air, which is highly polluted in our cities.
- The trees will beautify the city and make the locality cooler.
- The plantations will help to prevent or reduce the chance of local flooding during heavy rains as trees increase the absorption of water into the ground.
India generates 62 million tonnes of waste every year, of which less than 60 percent is collected and around 15 percent is processed. (PIB, 2016) Unscientific landfills are the most common way of garbage disposal. They have become an environmental and health hazard with uncontrolled fires burning at dumping grounds in cities with the release of highly toxic gases like methane. Furthermore, the seepage of toxic liquids into the ground pollute soil and groundwater.
There is an urgent need for better Waste Management initiatives in urban as well as rural India.
Solid Waste Management – Jagmagaata Uttarakhand
The opportunities for Spiritual tourism, Eco tourism and Adventure tourism makes the state of Uttarakhand a hotspot for tourists. In order to bolster the growth of this industry and improve the health and wellness of its citizens, the state government introduced various initiatives for Solid Waste Management in urban and rural centres in the beginning of 2018.
In March of the same year, IndusInd Bank partnered with the Department of Panchayati Raj, Uttarakhand for Solid Waste Segregation and Management. This is being done over 3 years through community engagement in eight villages of Bhogpur cluster, Doiwala tehsil of Uttarakhand and is aligned with the Government of India’s Swachh Bharat Abhiyan. The Bank has been the first and only CSR partner for over a year with the Department of Panchayati Raj, Uttarakhand for this initiative.
In this programme, the land is provided by the Panchayat for waste segregation, recycling and composting. In addition, they are responsible for creating awareness, and the execution of the entire waste management process. This includes distribution of segregation bins to households, the collection, transportation, storage, segregation, recycling, composting and disposal of waste.
The community pays for the services. The revenue from this and from the sale of recyclable inorganic waste is used towards operational and maintenance expenses.
In addition to providing funding, IndusInd Bank focuses on the monitoring and evaluation of the programme through an on-ground agency, Every ULB Technologies (founded by IIT Guwahati alumni).
- Waste Management: Between 900 – 1,000 kg of waste is collected, segregated and managed. Of this, over 100 kg of organic waste is sent for composting and about 70 kg of inorganic waste is sent for recycling.
- Awareness and Behaviour Change: Awareness programmes centred around the message of ‘Reduce, Reuse and Recycle’ are conducted at school, community and household level. This is targeted at permanent adoption and behaviour change.
- Livelihood Creation: The programme has the potential to employ 14 people, out of which seven have already been employed.
- Benefit to the Environment: With the incorporation of ‘Reduce, Reuse and Recycle’ as a lifestyle by the villagers, there will be a medium to long-term reduction in adverse impact to the environment. This would include mitigation of dangerous gas emissions like methane and carbon monoxide. The 19,000 villagers will stand to benefit with better health.
- Benefit to tourists: Uttarakhand being a state that is dependent on tourism, efficient garbage collection and disposal will result in more cleanliness. This will improve the experience for tourists in this cluster, and could perhaps attract more tourists over time.
Since 1970, CO2 emissions have increased by about 90 percent, with emissions from fossil fuel combustion and industrial processes contributing about 78 percent of the total greenhouse gas emissions increase from 1970 to 2011. (Source: Boden, T.A., Marland, G., and Andres, R.J. , 2017)
In its 2018 ‘Special Report on the Impact of Global Warming of 1.5o C’ the Intergovernmental Panel on Climate Change (IPCC) ultimately offers four mitigation routes. Of these, the first route provides the best shot and requires moving away from fossil fuels very quickly to renewable energy.
As a part of its philosophy that Good Ecology is Good Economics, IndusInd Bank believes that moving to clean and renewable energy is a very important in the fight against Climate Change.
Rural Solar-powered Street Lights
Street lights are something we take for granted in most urban centres, but in large parts of rural India, the night plunges village streets into darkness. This deprives villagers of outdoor mobility and activities without compromising on safety. Those most affected are women and children, especially in homes without a toilet.
IndusInd Bank has lit up the streets of 29 villages in Rajasthan with 2,000 Solar-powered Street Lights, benefitting over 1,65,000 villagers. These are stand-alone, low maintenance street lights with a warranty of 25 years on the panels and 5 years on the LED light. Respective village panchayats have the responsibility to appoint a villager for the periodic cleaning of each panel. The lights operate through automatic sensors, which make them feasible in rural areas.
The locations for the installation of the street lights in each of these villages were chosen with the help of the respective panchayats. Insolare Energy Pvt. Ltd. - a company with local experience on similar solar projects was chosen as the contractor. They were responsible for managing the logistics and the installations. Additionally, they will manage the maintenance during the warranty period.
- Sense of security for women working at night: In many of the villages where the street lights have been installed, women work in the fields at night and the presence of the light near their field gives them a sense of security.
- Overall sense of security for women and children: Women were always concerned for their own safety and that of their children after dark, especially if there was no toilet in the home. Several women that we spoke to mentioned that having a street light in their vicinity provided them a sense of security.
- Longer playtime for children: For children staying around the installed lights, their families are now more comfortable to let then continue playing under the light after dark, unlike before.
- Increase in local mobility: The installation of street lights has increased the movement of villagers, after dark, in their village, thus helping community life. Additionally, children who have to travel before dawn to go to school have benefitted.
- Mitigation of carbon emissions: The use of solar energy to power these street lights, with no dependency on grid power, helps in mitigating carbon emissions.
- Sustainable source of light: For community gatherings that now take place under these solar-powered street lights, there is no wood burnt for a bon fire as a source of light, thus mitigating carbon emissions.
Schools on Solar
In an initiative to help educational institutions move a significant portion of energy consumption from grid power to Solar Energy, IndusInd Bank has partnered with Centre for Environmental Research & Education (CERE) for the Schools on Solar initiative. This project aims to help schools adopt renewable energy and also design innovative strategies to help students and staff reduce energy consumption within the school premises. Besides decreasing the carbon footprint, this programme also includes a dimension of sensitizing students about Climate Change and sustainability by broadening the educational framework.
The rooftop installation has been completed in 4 locations of Mumbai:
- Bai Ruttonbai F.D Panday Girls’ High School: A 10.35 kWp Solar Photo Voltaic (PV) system consisting of 30 panels. This will generate 13,000 kWh of electricity annually.
- Marwari Vidyalaya: A 12.42 kWp Solar Photo Voltaic (PV) system consisting of 36 panels. This will generate 16,000 kWh of electricity annually.
- Sophia Polytechnic College: A 16.56 kWp Solar Photo Voltaic (PV) system consisting of 48 panels. This will generate 22,000 kWh of electricity annually.
- Sophia Bhabha Hall: A 29.32 kWp Solar Photo Voltaic (PV) system consisting of 85 panels. This will generate 40,000 kWh of electricity annually.
The panels are German-made and have a 15-year warranty and a 25-year life span if maintained well. Additionally, with a Net Metering system put in place, excess power generated is sent to the grid in return for credits, which can be used against grid power consumption at night or during monsoons. This improves the economics of the installation to a great extent.
IndusInd Bank believes that through the Schools on Solar initiative, it is contributing to environmental stewardship, in the following ways:
- Reduction in carbon emissions: With the generation of 91,000 units of solar energy, the combined carbon emission reduction of this programme is 74.62 MTCO2e.
- Monetary savings: The total annualised savings for these institutions is INR 6,60,000. As per an agreement with each institution respectively, this needs to be utilized towards the improvement of the infrastructure and education facilities for the benefit of the students.
- Sensitizing young minds: A curriculum is being created as a part of this programme to include climate change and sustainability in these institutions. IndusInd Bank hopes that this will create a new generation of better-informed youth who will work towards a more sustainable future.
“Education is the most powerful weapon which you can use to change the world.”
Enhanced Education Programme
State: Uttar Pradesh and Jharkhand
Over 5,000 under-privileged children have so far benefitted from a group tuition programme that IndusInd Bank has been supporting since FY 2017-18. The Bank has partnered with Cashpor (a section 8 company), in collaboration with Pratham to conduct tuition support classes in 6 districts of Uttar Pradesh & Jharkhand. These are areas where the school drop-out rates are very high and where children are unable to graduate secondary school without external help.
In FY 2017-18, this programme was run across 100 education centres. In FY 2018-19, IndusInd Bank is supporting the setting up of an additional 300 centres across these 2 states that will benefit approximately 15,000 children. Besides children, the programme entails capacity building for teachers and outreach to parents through both, field visits and meetings at the centres. The aim of this outreach is to sensitize parents on the importance of education, health and hygiene and to encourage continuous attendance of their children.
The learning levels of children are assessed in English and Mathematics. Achievements have been recorded and compared against the Baseline learning levels. Learning levels are categorised into 5 grades: From Grade 1 (Knows virtually nothing) to Grade 5 (Reaching levels of Standard 5 in reading & writing paragraphs and advanced arithmetic standards).
IMPACT: The qualitative aspect of this programme has created significant impact for these 5,000+ children. For example, if we take the English subject, Grade 1 will indicate no knowledge/absolutely new to the subject while Grade 5 is for those who can read and write paragraphs. There were 1,800 students at Grade 1. Post the intervention, 715 children have moved to knowing the letters of the alphabet, while 40% moved up from Grade 4 (relatively easy reading and writing) to Grade 5 (reading and writing paragraphs).
Similarly, in Mathematics, 30% of the children who enrolled moved up from Grade 1 (knew nothing in Mathematics) to Grade 2 (knowledge of addition and subtraction). 20% moved up from Grade 4 (efficient in division and multiplication) to Grade 5 (knowledge of advanced arithmetic).
Through this initiative, IndusInd Bank aims to infuse the interest and confidence in these under-privileged children to take up higher education for better employability. Through this, the Bank further aims to break the cycle of inter-generational poverty that persists in the rural and semi-urban areas of these districts despite access to micro-finance.
Support for the Education of Under-privileged Children at Dehradun
IndusInd Bank has given 75 children from families of the Lower Income Group the opportunity to quality school education which they would normally not be able to afford. These are children of the 9th and 10th Grade, with academic potential, who are predominantly from villages near Dehradun and other parts of Uttarakhand. The selection process has ensured a higher ratio of girls.
The Bank supports Purkal School at Dehradun that runs this programme. The school follows the CBSE syllabus and also benchmarks itself both nationally and internationally to evaluate their curriculum and method of operation. In fact, the school maintains a very impressive Pupil to Teacher Ratio (PTR) of 9:1, which is much lower than the PTR of 30:1 stipulated by the Rashtriya Madhyamik Shiksha Abhiyan (RMSA) framework by the Ministry of Human Resource Development for secondary level education. This ensures greater individual attention and nurturing of the children by the teachers.
To ensure that these children get the same school experience as others, IndusInd Bank not only takes care of their academic expenses, but also provides for other ancillary needs. These include the Nutrition (Breakfast, Fruit, Evening Snack and Dinner) for 10 of these children that live in the school hostel, school bus fees, their school uniform, Learning Support (Library, Books, Global Awareness Program), Annual Day/ field visit expenses, Arts & Sports (Theatre, Skill Development, Counselling), Laboratory Expenses, Hostel Expenses (10 out of the 75 Children will be in the hostel).
As a part of the programme, the development of the children, their achievements and the impact they have on the communities will be tracked well after they have passed out from the school.
IMPACT: By providing this life-changing opportunity for these children, that they would otherwise not have access to, IndusInd Bank aims to create agents of change to impact and inspire their local communities.
Earlier, 150 students have graduated out of Purkal School and are pursuing professions in fields like Mass Media, Electronic Technology and the Merchant Navy, while others have joined the Defence and Government Services respectively. Some are pursuing professional courses in Physiotherapy, Product Design, and Fashion Design, while others are pursuing higher education from reputed universities across the world.
The Bank is looking forward to similar outcomes for the 75 children we are supporting.
Scholarships for Young India Fellowship (YIF) Programme
At IndusInd Bank, we believe in empowering the youth and supporting them to be change-makers of the future. Since FY 2015-16, through scholarships, the Bank has been supporting deserving and meritorious students to pursue multi-disciplinary education through the Young India Fellowship (YIF) Programme by Ashoka University.
Ashoka University, located at Sonepat in Haryana, is an independent private University. It is setup on the collective Philanthropy Model as an initiative by the International Foundation for Research and Education (IFRE), a sector 8 non-profit organisation.
YIF is delivered in partnership with the University of Pennsylvania's School of Engineering and Applied Science SEAS, University of Michigan, King's College London, Carleton College, Sciences Po, University of California Berkeley, Trinity College Dublin, Yale University and Wellesley College. The Fellowship brings together brilliant young individuals who show exceptional intellectual ability and leadership potential from across the country. The aim is to help Fellows become well-rounded individuals who are able to think critically from multiple perspectives, communicate effectively and become leaders with a commitment to public service.
IMPACT: Till date, the Bank has supported 60 scholars from 13 states, a majority of whom are women. Over 25% of them have gone on to represent grassroots-level organisations in the Development Sector, to bring about societal and economic change and development.
Sahapedia Heritage Fellowship Programme
IndusInd Bank’s CSR Committee has identified ‘Heritage, Arts & Culture’ as an area of special interest in its CSR Policy. Sahapedia is an open online resource on the arts, cultures and heritage of India. It is an NGO headed by Mr. S. Ramadorai, the Chairman of the National Skill Development Agency (NSDA) and the former Vice-chairman of TCS.
The Bank supports young photographers as part of the Sahapedia Heritage Fellowship Programme (Sahapedia Frames Photography Grant). As a part of the programme, Fellows have to create photo essays, as per their interest, on the untapped and under-documented heritage of India and South Asia. The purpose is to build digital repository of data on cultural sites and heritage that don’t get the deserved attention. These can later be leveraged as educational material by institutions and individuals as well as for creating awareness or as references for reconstruction of heritage sites.
The 25 Photographers in this Fellowship Programme have been selected by a panel led by renowned lensman Dinesh Khanna.
IMPACT: The photo essays of these 25 fellows will allow the world to glimpse into possibly never-seen-before slices of India’s culture and heritage. It will also help to spread awareness among young, digital-savvy Indians. This will additionally pave the way for further research in these lesser-known topics.
Legal Literacy Programme for Women
State: Madhya Pradesh
29% of women in rural India are victims of Domestic Violence according to the National Family Health Survey (NHFS-4) released by the Union Health Ministry.
IndusInd Bank, in partnership with Samhita (a section 8 company), has been conducting a legal literacy programme in Madhya Pradesh since FY 2015-16. The objective has been to build awareness among these women by training and educating them on their legal rights, entitlements, and protective laws on the issues of domestic violence and gender discrimination. 93% of these participants are married and 6% are widowed. More than 55% of them are in the age group of 18-35 years and 49% of the participants belong to socially marginalized communities (SC & ST).
Besides training, the project has built a cadre of ‘Community Catalysts’. They are the face of Samitha at the grass-root level and are specially trained in counselling and as para-legal volunteers and work with women in distress, to improve their situation. For many of these women, this programme has, for the first time, given them a voice they can use to fight domestic violence, challenge societal norms and e¬ffect change. The impact of this initiative is monitored regularly to assess its efficacy and identify any gaps therein.
IMPACT: Over 45,000 women have benefitted till date. Empowerment through awareness has been the biggest impact of this programme.
- From just 6% of the participants knowing the Women’s Helpline number at the start of the programme, 90% of participants knew the number at the end.
- From 56% of the women initially agreeing that violence at home was not a big issue, only 11% agreed on completion of the programme.
- Awareness of any protection measures against violence increased from 36% of the participants at the commencement of the programme to 95% by the culmination.
PMGDISHA (National Digital Literacy Programme)
States: Maharashtra, Rajasthan, Madhya Pradesh, Gujarat, Uttar Pradesh, West Bengal, Haryana, Punjab, Jharkhand, Chhattisgarh & Odisha
IndusInd Bank is a technology-driven Bank and has been a pioneer of several digital products and services in the Banking Industry in India. Therefore, understanding the importance of Digital Literacy in inclusive nation-building, IndusInd Bank supports The Pradhan Mantri Gramin Digital Saksharta Abhiyaan (PMGDISHA). This is the national scheme that aims to capacitate 6 Crore people living in rural areas with digital literacy skills by 31st March 2019.
In support of PMGDISHA, IndusInd Bank collaborated with the Ministry of Electronics & Information Technology through their Special Purpose Vehicle, CSC e-Governance Services India Limited. The project commenced in FY 2017-18 to train 3,00,000 candidates through Village Level Entrepreneurs (VLEs), in 11 states, including Maharashtra, Rajasthan, Madhya Pradesh, Gujarat, Uttar Pradesh, West Bengal, Haryana, Punjab, Jharkhand, Chhattisgarh, and Odisha.
IMPACT: With IndusInd Bank’s support, over 2,00,000 individuals have already been trained. The direct result of this capacity building in the digital space is inclusive growth through the creation of sustainable livelihoods by enhancing access to micro-finance, business opportunity, employment, education, and healthcare resources.
Economic Empowerment Programme for Women Rescued from Trafficking
India is considered as the hub in Asia as the source, destination and transit country for human trafficking. In 2016, a total of 8,137 cases of human trafficking were reported from across the country, a jump of 18 per cent over the cases reported in 2015 as per data released by the National Crime Records Bureau (NCRB). However, experts believe that the actual number is much higher as most cases are not reported. These victims of human trafficking are mostly children and women from very poor families and are sold for either sexual exploitation or as bonded labourers.
IndusInd Bank has partnered with the NGO Justice & Care for the rehabilitation of 100 women rescued from trafficking, by increasing their employability through skill development. These are women from the most vulnerable districts of Bihar, namely, Gaya, Nalanda and Nawada.
In this project IndusInd Bank funds a two-level programme for these women:
1) Training During the Rehabilitation Period
This is done through a pioneering Foundation Course of Justice & Care, which was appreciated and launched by the President of India on International Women’s Day 2018. The 360-hour programme is spread over 3 months and is crafted for the survivors of trafficking. It is aimed at building their aptitude and ability and prepares them for economic and social reintegration. Areas of training, among other things, include Communicative English, IT Literacy, and Soft Skills.
2) Vocational Training
After the completion of the first level, 60% of these women will be trained further in Vocational Courses certified by NSDC (National Skill Development Corporation). These courses will be domain-specific covering domains like Retail, Hospitality, and Tailoring among others.
IMPACT: Stories of victims of trafficking contain bone-chilling facts that reveal how they have been through brutal physically and psychologically trauma, often breaking their confidence and self-esteem.
IndusInd Bank believes that this rehabilitation programme will impact these survivors in 2 ways. It will firstly help them to reintegrate successfully with society. More importantly, it will help them to regain their confidence and heal their self-esteem through economic independence.
“When one person's livelihood changes, it can impact an entire family, then a whole community.”– Tae YooThis is the central belief that propels IndusInd Bank’s efforts in empowering individuals to secure a livelihood. Especially for the less fortunate, the potential livelihood outcomes include affordability of basic needs, increased well-being, reduced vulnerability and a sense of dignity for the individual and the family. Currently, the Bank is focusing on Skill Development and Vocational Training Programmes as a means to empower individuals from poor families to get a Livelihood.
Skill Development of Rural Youth
In 18 villages of Jaitaran Block in Pali District, IndusInd Bank is providing skill development that results in Livelihood for 450 young girls and boys who are unemployed despite having studied till the XII Std. This programme offers guaranteed employment through a placement service, with an average salary of INR 12,000 per month. The on-ground implementing partner for this initiative is Ambuja Cement Foundation.
Based on needs, a baseline study and the mapping of the Pali district, Micro Finance Executive, Customer Relations Executive and Unarmed Security Guard are the three trades selected for skill development training. For this, about 1,000 boys and girls will be mobilised for skills training from the 18 villages, out of which 450 registered youth will be trained and placed during the year; under each trade 150 youths would be trained based on National Skills Development Corporation (NSDC) guidelines. This is a 260 hours residential training.
The mobilization of the youth is done through awareness activities like meetings, camps, individual & group awareness sessions and engaging with family members in target villages. The selection process for choosing the youngsters who will reap the benefits of the programme the most involves counselling, one-to-one discussions to assess who will be the right fit and for which trade. In addition, training is imparted to boost interpersonal, technical and critical thinking skills.
Through this programme, IndusInd Bank believes that it is impacting local communities in the targeted villages in the following ways:
- Access to good quality Vocational Training in rural area: Free programmes bridging the gap of the education system with industry needs is rare in rural India. Through this programme, the youth of these villages have access to such a programme.
- Guaranteed Employment: An assured livelihood after the successful completion of this programme, that too with a guaranteed income of INR 12,000, is great value for each youngster for the time and effort invested by them respectively. This is contrary to what they would have experienced with their mainstream qualification that did not help them secure a livelihood. For those that prefer not to take up a job, this programme encourages their entrepreneurial spirit to set up their own enterprise.
- Positive impact to individual, family and community: With employment, the possible outcomes include affordability of basic needs, increased well-being, reduced vulnerability and a sense of dignity for the individual and the family. Increase in purchasing power also helps the local economy and contributes to the prosperity of the community. A livelihood also decreases the risk of possible crimes that a community might have to face due to the frustration of unemployment.
“It is not Utopian thinking to say that every man, woman and child should have access to healthcare as a right and not as a privilege.”– US Senator Bernie Sanders
Mini Health Clinics
State: Uttar Pradesh, Bihar, Jharkhand and Madhya Pradesh
The Rural Health Statistics (RHS), 2015 pertaining to the then 200 million people state revealed that in Uttar Pradesh, the number of public health centres (PHCs), the frontline of the government’s healthcare system, decreased 8% over 15 years to 2015, a period when the state’s population increased by more than 25%.
Smaller sub centres, the first point of public contact, increased by no more than 2% over 25 years to 2015, a period when the population grew by more than 51%.
In Uttar Pradesh, private health providers – including unrecognised doctors and quacks – meet 85 per cent of medical needs, according to the report.
(Source:A 2016 article on IndiaSpend.org, a data-driven, non-profit, public interest journalism platform.)
Recognizing the magnitude of the problem, with the above statistics as an indicator, IndusInd Bank has partnered with Cashpor (a Section 8 Company) for the setting up of 177 Mini Health Clinics to serve as Primary Health Centres. These are spread across 20 backward districts across Uttar Pradesh, Bihar, Jharkhand and Madhya Pradesh and are expected to benefit about 200,000 patients per annum.
These centres serve as temporary OPD Clinics and are visited fortnightly by experienced Medical Professionals with qualifications of either MBBS or BMS. Yet, the Doctors fees are 100% subsidized under this programme, while medication is provided to patients at a highly subsidized cost of INR20-30 only, which at times could even include some antibiotic.
There are 17 medicines mandatorily available at each centre, while most have even more available. These cover treatments for the majority of ailments that patients come to the clinic for. Medicines are given with visual aid for dosage, to help individuals and family members who are unable to read to take the medicines the correct way.
Another aspect of the programme is preventive healthcare. Modules on Health & Hygiene are delivered by Community Health Facilitators (CHF) at village-level Self Help Groups (SHG) in villages within the geographical area of each centre respectively. 3,000 women are selected as CHF. They are trained on 15 modules by Health Healing Foundation, Hyderabad respectively. Modules are on topics like Menstrual Hygiene, Malnutrition, Immunization & Child Health, Environment & Personal Hygiene, HIV & AIDS, etc.
The CHF for the centre are present when the clinic is operational, assisting women patients to freely articulate their issue to the medical practitioner.
IMPACT: Through this programme, IndusInd Bank believes that the estimated 200,000 patients (annually) will benefit in following ways:
- A steep decrease in Primary Healthcare cost benefitting household finances: Patients interviewed in several centres mentioned that they were paying INR100-150 per visit to other practitioners against the INR20-30 they pay at the Mini Health Clinics.
- Treatment from qualified and experienced Doctors who are either MBBS or BMS: A very high percentage of medical practitioners in these areas are unqualified quacks. This not only possesses a grave risk to those who visit them, but also increases healthcare costs with multiple visits each time one falls sick. On the other hand, at the Mini Health Clinic, with qualified and experienced Doctors, they receive proper diagnosis and treatment.
- Preventive Healthcare Awareness at grassroots level: Prevention is better than cure. Nothing can work better in improving the health and well-being of people from impoverished families than empowerment through awareness. This over time we expect will benefit households by reducing their medical expenses.
“Sports has the power to change the world. It has the power to inspire. It has the power to unite people in a way that little else does. It speaks to youth in a language they understand. Sports can create hope where once there was only despair.” – Nelson Mandela
Our focus is to provide talented individuals from economically weaker sections of society the access to opportunities and facilities that will condition them to compete and win laurels at national and international levels.
Khelo India is one of the National Priority Areas laid out by the Government of India as it believes that “Sports is an extremely important component for the overall development of our nation.” IndusInd Bank’s CSR Programmes in Sports aligns with two verticals of Khelo India as outlined by the Government.
IndusInd Girl Power Programme
State: Girl Athletes are from Chhattisgarh, Haryana, Jammu & Kashmir, Karnataka, Kerala, Madhya Pradesh, Manipur, Punjab, Uttarakhand, Tamil Nadu, Telangana
In this programme, IndusInd Bank supports 60 talented girl athletes from across India, mostly belonging to low-income families, to be developed into National and International champions in the disciplines of Boxing, Judo and Wrestling.
For this, the Bank has partnered with JSW Foundation’s Inspire Institute of Sport (IIS), which is a world-class, high-performance sport training facility primarily to scout and train junior athletes. The long-term vision of the institute is to produce Olympic and World Championship medallists across the disciplines of Judo, Boxing, Wrestling, Track & Field and Swimming. IIS also boasts of a strong coaching team consisting of renowned foreign coaches as Head Coaches for each discipline respectively.
The coaching staff through their network scout high-potential talent in respective disciplines from across India. These girls, after discussion with their parents, get a 100% scholarship at IIS for a residential programme. Besides providing international-standard athletic development for these athletes, the programme covers various other aspects and facilities. These include twin-sharing, air-conditioned accommodation in the IndusInd Bank Girls Hostel, sports psychology, sports science, physical conditioning and nutrition specific to one’s respective discipline and need.
Besides their development as athletes this programme also focuses on their emotional and academic development as well. They are provided with a tailor-made education, where they have to mandatorily complete their studies at least till the XII Std. For this, they have on-campus classes at a learning centre created for the same. However, girls are always encouraged to study further and several of the girls are studying beyond the XII Std.
As these girls are young (aged from 9-22 years) and are staying away from their parents, the programme also caters to their emotional development under the institute’s foster care programme.
Through this programme, the Bank is hoping that with sporting excellence and fame that these girls achieve, their lives and the lives of their family sees an improvement. On its part, for any of the athletes who have gone on to represent India at international sporting events, the Bank has promoted these athletes in the public domain with the hope of inspiring many others and garnering support through digital awareness campaigns like #WinLikeAGirl.
- Based on the past record of IIS, we expect that at least 10% of these girls will turn out to be future champions for India, especially at the Olympics and respective World Championships.
- Through this programme, IndusInd Bank has given wings to the dreams of these girl athletes, who might have otherwise not had the opportunity due to their socio-economic background.
- With Corporate Spending in Sports other than cricket increasing in India over the last few years, the Bank hopes that at least the successful athletes will stand to benefit.
- We believe that, every time one of these will go on to win a medal at a major sporting event, their story will inspire many other girls like them to chase their dream for sporting excellence.
- Recognition and fame for winning athletes, the Bank hopes that parents across the nation will find the confidence to encourage their young girls to take up sport. This will only improve the gender ratio in sports in India in the years to come.
Some of the achievements of these athletes are as follows
YOUTH OLYMPIC GAMES (JUDO)
- Tababi Devi - Silver Medal
CADET WORLD CHAMPS (WRESTLING)
- Sonika Sood - Bronze
ASIAN CADET CHAMPION (JUDO)
- Tababi Devi - Gold Medal
U23 NATIONALS (WRESTLING)
- Gesu Rahangdale - Bronze
- Freedom Yadav - Silver
- Reshma Mane - Gold
NATIONAL CADET AND YOUTH CHAMPIONSHIPS (JUDO)
- Maibam Indubala Devi - Gold
- Tababi Devi - Gold
- Chanam Rebina Devi - Bronze
- Pinky Balara - Gold
- Thakhellambam Inunganbi - Gold
JUNIOR AND YOUTH NATIONAL CHAMPIONSHIPS (BOXING)
- Astha Pawa - Gold
- Neharika Gonella - Silver
- Manjeet - Bronze
IndusInd Para Champions Programme
State: Athletes belong to Bihar, Haryana, Karnataka, Maharashtra, New Delhi, Odisha, Punjab, Rajasthan, Tamil Nadu, Uttarakhand, Uttar Pradesh, West Bengal
In this pioneering initiative, IndusInd Bank has partnered with GoSports Foundation to make a visible difference in the life of Indian Para-athletes. This is an on-going initiative that commenced in FY 2016-17 and is titled the Para Champions Programme. Many of these athletes are from lower income or poor homes and have little or no income. In addition to this, they are also emotionally, mentally and physically fighting the challenges and social perceptions that come with their disability. In FY '17-18, IndusInd Bank supported 32 para-athletes with their various needs that include nutrition, fitness & conditioning, medical support, domestic & international training stints, coaching fees, competition expenses, sports science, living expenses, equipment & gear, apparel and mentorship. In 2018-19, the number of athletes supported under this programme has gone up to 45.
Through this programme, IndusInd Bank helps these athletes break psychological and physical barriers, that serve to inspire other differently abled individuals to follow suit and think differently about their condition. In addition, through awareness campaigns the bank not only promotes these athletes and para-sports, but it also intending to change the social perception about the differently abled.
IMPACT: By creating awareness of these athletes and their achievements against all odds, the bank believes and hopes that it will help in considerably improve the financial condition and standard of living through rewards and endorsements.
From the athletes in this programme:
- Several have represented the country and some have even won medals at several international events including the Summer Paralympics in Rio in 2016, the Para-athletics Championship in London in 2017, and 2018 Commonwealth Games in Australia.
- 39 were a part of the contingent at the 3rd Para Asian Games in 2018.
- Shooters Manish Narwal & Deepender Singh have respectively secured the Paralympic quota place in the 10m Air Pistol event.
- Devendra Jhajharia was conferred the Khel Ratna and Varun Bhati, Manoj Sarkar and Ankur Dhama were conferred the Arjuna Award respectively in 2017 and 2018, for their achievements in different para-sports .
IndusInd Blind Cricket Programme
State: Athletes belong to Andhra Pradesh, Gujarat, Haryana, Jharkhand, Karnataka, Kerala, Madhya Pradesh, Odisha, Tamil Nadu, West Bengal
IndusInd Bank has adopted the Indian Blind Cricket Team as the Principal Sponsor with the Cricket Association for the Blind in India (CABI). CABI is the sporting arm of Samarthanam Trust, a National Award winning NGO that works for the empowerment of persons with disabilities and the underserved.
Since FY 2016-17, the Bank supports the team for their coaching, equipment, training, and fitness needs. Importantly, all potential players come from marginalised backgrounds, and are given the opportunity to enhance their social assimilation and economic status through this programme.
Through this programme, IndusInd Bank helps these athletes break psychological and physical barriers, that serve to inspire other differently abled individuals to think differently about their condition and follow suit. Using the medium of cricket, that visually impaired athletes can be taught to have an optimistic outlook towards life, build-up their confidence and strive for victory.
Through its award-winning awareness campaign #TheOtherMenInBlue, the bank not only promotes these athletes and garners support for blind cricket, but it also intends to change the social perception about the differently abled.
Prime Minister Shri Narendra Modi also tweeted his congratulations to the team saying, “...They make our nation proud and inspire every other Indian with their game as well as phenomenal attitude. True champions!”
IMPACT: Playing the game of cricket boosts the self-confidence of these visually challenged, athletes. In addition, they are exposed to other facets of the sport like discipline, teamwork, fitness, strategic planning, leadership and the spirit of competition. This naturally translates into all aspects of leading a productive life of dignity and pride.
Some of the achievements of this team are as follows:
- The team clinched their second T20 Blind Cricket World Cup in 2017 by beating Pakistan in the Final.
- In 2018, they became Champions of the ODI Blind Cricket World Cup by once again beating Pakistan in the Final.
- In addition, the team won the two Bi-lateral series with Sri Lanka in 2018 (home and away). While in Sri Lanka, they were later called to share about their success and journey with the President of Sri Lanka.
- In 2018, the team also claimed the winners title in the Tri Series with England and Sri Lanka
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