Our Initiatives


Kalpataru – Enhancing Livelihoods Beyond Credit

Within first 3 months of launch, Kalpataru creates 100 women champions who are now better educated, linked & benefitted from government schemes.

Kalpataru is an initiative that goes beyond credit in enhancing the socio-economic capabilities of a household by enabling them to better access their entitlements. It has three key pillars:

  • To educate & make citizens aware about various government schemes
  • To help identify relevant eligible schemes and provide last mile linkage
  • To handhold in application filling and final submission

Mission & Vision

To ensure that each household is well informed and equipped to access various government schemes and entitlements.

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Leveraging technology to do micro-financing

AUW is in the process of using customer centric approach to deliver digital financial services and education to our microfinance clients. Technology is effectively being used in :

  • Sourcing customer applications
  • Electronic loan disbursement
  • National Automated Clearing House (NACH) activation
  • Real time SMS alert/update
  • Information servicing – data origination, analysis and reporting

Expected Outcomes

  • Mitigate cash risk¬†
  • Increase operational efficiency
  • Customer convenience
  • Easy access to services
  • Real time updates