1 | CSR JHARKHAND

CREATING SUSTAINABLE

COMMUNITIES IN

JHARKHANDAs of March 2020

2 | CSR JHARKHAND

HDFC Bank’s ‘Parivartan’ aims to contribute to the social and economic development of the community by mainstreaming economically and socially challenged groups and drawing them into the cycle of growth, development and empowerment. We work to develop an ecosystem for communities to help them grow and sustain. The Bank, through various partnerships, is committed to identifying and supporting programmes that seek to develop and advance the community.

Our work is concentrated in 5 key focus areas.

78 MILLION lives impacted

3 | CSR JHARKHAND

1RURAL DEVELOPMENTWe believe that development is possible only if our villages are a part of the economic prosperity. It is this belief that drives the Bank’s Holistic Rural Development Programme (HRDP). The programme identifies and addresses critical needs of each village through interventions designed after consultation with the village community and other stakeholders.

KEY INTERVENTIONS Improving school infrastructure and promoting quality education

Constructing household sanitation units

Promoting health through health camps and awareness sessions

Training and demonstration of sustainable agricultural practices

Introducing alternate sources of livelihood such as livestock management and entrepreneurship activities like embroidery, masala making, toy manufacturing, etc.

Increasing awareness and implementing measures towards soil and water conservation

Improving access to water for drinking and irrigation

Promoting alternate energy sources like solar, biogas and biomass

Providing youth with job-oriented training

Conducting financial literacy sessions in the community

OVERALL IMPACT

1,280+villagesUNDER HRDP ACROSS 17 STATES

28,000+SOLAR LIGHTS

28,300+ACRES OF AGRI LAND TREATED

40,000+ KITCHEN GARDENS PROMOTED

7,800+WATER CONSERVATION STRUCTURES CONSTRUCTED

11,200+BIOMASS STOVES DEPLOYED

10+ lakhTREES PLANTED

4+ lakh HOUSEHOLDS

4 | CSR JHARKHAND

2 PROMOTION OF EDUCATION Our Bank’s education programmes are structured to promote learning by creating a conducive and effective learning environment in schools. These programmes are spread across a wide geography and have covered more than 600 schools.

*Inc

lusi

ve o

f im

med

iate

and

ext

end

ed b

enef

icia

ries

.

KEY INTERVENTIONS Improving school infrastructure: Refurbishment, library set up, science labs,

sports material, etc.

Training teachers: Training in alternate pedagogy and soft skills

Promoting innovation: Identification and replication of innovative practices

Ensuring quality education: Remedial classes, learning camps, Teacher Learning Material, etc.

Special scholarships: Educational Crisis Scholarship Support

One of our largest programmes is the Zero-Investment Innovations for Education Initiatives (ZIIEI), which recognises and encourages innovation in education across state-run schools. Started in 2016 with a pilot in Uttar Pradesh, the project now covers over 20 states and 5 union territories. More than 17 lakh teachers have been reached and close to 10.40 lakh innovative zero-cost ideas have been submitted.

OVERALL IMPACT

19.60+ lakhTEACHERS

2.62+ LakhSCHOOLS

580+COMMUNITY LIBRARIES

2.02+ croreSTUDENTS

5 | CSR JHARKHAND

3 SKILL TRAINING AND LIVELIHOOD ENHANCEMENTOur Bank supports multiple projects that are focused on competency-based skill-oriented training and placements, capacity building, promoting entrepreneurial activities and upskilling for agricultural and allied practices. Our Sustainable Livelihood Initiative (SLI) has made a difference in the lives of lakhs of women at the Bottom of the Pyramid by creating long-term sustainable solutions through Self Help Groups (SHGs) and Joint Liability Groups (JLGs).

KEY INTERVENTIONS

Placement-linked skill training for youth

Promoting livelihoods and entrepreneurship through training in embroidery, candle and toy production, masala making etc. for women

Provision of capacity building, financial literacy and market linkages for women

OVERALL IMPACT

7.80+ lakhWOMEN ENTREPRENEURS CREATED

1.60+ lakh INDIVIDUALS TRAINED

7,500+ SHGS FORMED/TRAINED

6 | CSR JHARKHAND

4 HEALTHCARE AND HYGIENE Our Bank has been actively championing the cause of Swachh Bharat through our sanitation projects. Our focus is not only on providing sanitation infrastructure but also on fostering a behavioural change towards better health and hygiene standards.

KEY INTERVENTIONS Championing Swachh Bharat through awareness, behavioural change and

construction of toilets

Promoting health through health camps and generating awareness about nutrition

Providing clean drinking water

Our Bank conducts an annual blood donation drive which has been recognised by Guinness World Records as the largest effort of its kind for collecting the highest units of blood in a single day. Approximately 18.58 lakh units were collected as of December 2019.

OVERALL IMPACT

18.58+ lakhUNITS OF BLOOD DONATED

28,800+TOILETS CONSTRUCTED

1.18+ lakhPEOPLE BENEFITTED THROUGHHEALTH CAMPS

1,800+SANITATION DRIVES

7 | CSR JHARKHAND

5 FINANCIAL LITERACY AND INCLUSIONFinancial literacy is the first step towards real financial inclusion. Our Bank conducts financial literacy workshops for communities to enable them to make smart financial decisions and sustain themselves. Our Bank also disseminates information on general banking, credit counselling and digital banking in schools and colleges, and among pensioners and senior citizens.

KEY INTERVENTIONS Financial literacy through camps

Promotion and capacity building of Self Help Groups

OVERALL IMPACT

16.93+ lakhFINANCIAL LITERACY CAMPS

1.29+ croreINDIVIDUALS

8 | CSR JHARKHAND

RURAL DEVELOPMENTPromoting holistic development of rural communities

KEY PROJECTS Through our Holistic Rural Development Programme we are working to create

sustainable communities in over 114 villages across 6 districts in Jharkhand

reaching over 17,130 households.

Jharkhand accounts for more than 40% of the mineral resources in India but still

suffers from widespread poverty. Approximately 39.1% of its population lives

below the poverty line. The state’s population is also predominantly tribal and they

face high levels of deprivation.

In view of this issue, HDFC Bank’s Holistic Rural Development Programme aims to

bring about sustainable changes in the livelihoods of these communities through

the introduction of improved cropping practices, farm schools, remedial academic

classes, strengthening of VHNCs (village health and nutrition committees) as well

as multiple initiatives to improve the social, physical and institutional infrastructure

of these villages to end cyclic poverty and deprivation.IMPACT INJHARKHAND

3,700+KITCHEN GARDENS

1,260+SOLAR LIGHTS

800+SANITATION UNITS

13,500+FARMERS TRAINED

OUR FOOTPRINT IN JHARKHAND18.09+ lakh LIVES IMPACTED

DISTRICTS NO. OF VILLAGES

Ranchi 14

Ramgarh 14

Koderma 15

Paschim Singhbhum 15

Khunti 16

Dumka 10

9 | CSR JHARKHAND

EXPANDING INCOME AND REDUCING MIGRATION THROUGH DRIP IRRIGATION

HDFC Bank Parivartan launched its Holistic Rural Development

Programme in Chaibasa with an aim to reduce migration and help

farmers increase their income. The Bank’s survey showed that about 35

per cent households migrated seasonally despite having enough land

holding. The farmers were unable to make farming their sustainable

livelihood option largely due to poor or no irrigation facilities, traditional

agricultural practices, mono cropping system and no access to water

bodies. Some landowners, who were closer to water bodies, were unable

to make the most their presence due to natural land alignment that was

not conducive to fetch water by traditional means. The compounded

effect of poor agriculture practices and low income also caused

malnutrition, anaemia and poor sanitary conditions in the communities.

The Bank focused on motivating the farmers to invest more time in agriculture through convergence. This followed training and capacity

building that spread awareness on usage of modern agricultural equipment. Strategically, the intervention aimed to increase the production

and productivity in agriculture through drip irrigation and better water management. As part of the plan, the Bank first selected the farmlands

that were beside water bodies and motivated the farmers to take on

agriculture as their primary livelihood. The farmers were also trained on

marketing aspects to get better prices for their produce.

Considering women in the tribal regions played an important role in

activities related to income generation, they were also included in the

cycle of growth through formation of Self-Help Groups (SHGs).

The intervention helped increase the irrigated land, develop fallow land

into agriculture land, enhance farmers’ income and reduce migration.

The project covered 15 villages including Paharbhanga, Hathimanda,

Hathnabera, Asura, Sonaposi, Raghunathpur, Kelende, Trilip, Ichhapur,

Bistompur, Mataghut, Tutughutu, Surjabasa, Bingtopang, and Indikuri in

Jhinkpani block.

10 | CSR JHARKHAND

PROMOTION OF EDUCATIONCreating a conducive learning environment in communities across the country to promote learning

KEY PROJECTS

ZERO-INVESTMENT INNOVATIONS FOR EDUCATION

INITIATIVES (ZIIEI)

This is one of the largest-ever programmes to facilitate wide-scale,

systematic implementation of grassroots innovations that can

improve existing systems and processes at zero or minimal cost. In

Jharkhand, 53,000 teachers have been oriented for this programme

and over 4,100+ schools are implementing innovative ideas.

IMPACT IN JHARKHAND

98,460+TEACHERS

4,200+ SCHOOLS

5.79+ lakh*STUDENTS

*Representative of extended beneficiaries.

11 | CSR JHARKHAND

BETTERING THE LIVES OF TRIBAL GIRLS THROUGH HOCKEY AND FOOTBALL

To perceive sports through the lens of physical fitness only, would be

inadequate. Learning any sport develops one’s personality in ways

beyond imagination. To play any game successfully, the player requires

to develop a host of skills such as determination and focus. These skills

can help a person fight all odds in his or her personal life as well. With

this thought, HDFC Bank Parivartan introduced the tribal girls of Khunti

in Jharkhand to the sport of hockey. An immensely talented pool of

girls in the village had gone unnoticed due to lack of opportunities and

infrastructure.

In order to instil confidence and encourage these girls to step out, the

Bank provided free hockey coaching to the girls of about 16 villages in the

area. The programme laid a special focus on enrolling school dropouts

besides girls regularly attending school.

As the programme continued, the girls’ communication skills improved. They became confident enough to say NO to things they didn’t agree

with. This helped them save themselves from unsafe sexual experiences and build a vision for themselves. The hockey players soon became

role models and influenced their peers and family members while also

making a mark in their community.

Similarly, under Parivartan the tribal girls in Jhinkpani of West Singhbhum

district were introduced to football. The Bank’s programme received

an impressive response from all the target villages. The girls reported a

stark improvement in their communication and intrapersonal skills.

The Bank has also ensured that women coaches are inducted for the

girls, as that would help the players imagine themselves in leadership

positions. The presence of women coaches helps make the girls feel

safe, which also encourages more to join.

12 | CSR JHARKHAND

SKILL TRAINING AND LIVELIHOOD ENHANCEMENTUpskilling people in their occupations and training them for placement

KEY PROJECTS

EMPOWERING YOUTH TO ALLEVIATE POVERTY

Poverty intensifies because of inadequate opportunities and unequal sharing

of resources among people. Empowering the communities to become more

sustainable is the only solution to resolve the issue. HDFC Bank’s Parivartan

identifies youth from the community who can be trained under its skill development

programme. These youngsters are given rigorous training on several skill-sets. The

skill-training programme is targeted to young adults from families who are living

below the poverty line. Developing their skills enables them to break the inter-

generational poverty cycle.

SKILLING WOMEN THROUGH SUSTAINABLE LIVELIHOOD INITIATIVE

As part of the Sustainable Livelihood Initiative, Parivartan has imparted skill training

to thousands of women in Jharkhand.

SKILLING UNDERPRIVILEGED YOUTH FROM REMOTE RURAL AREAS OF

JHARKHAND

Parivartan has been working to develop an autonomous ITI and ANM Nursing model for creating market-led, medium-term skill development

courses. These will enable recognised vocational accreditation and employment for the underprivileged and best-in-class vocational

education to the poor. The project is targeted to serve youth typically from affirmative action sections including SC, ST, OBC and other

youngsters hailing from marginalised backgrounds. Over 720 youths are set to benefit because of the initiative, which would have a positive

impact on over 3,000 families.

IMPACT IN JHARKHAND

12,450+WOMEN

720+ INDIVIDUALS

13 | CSR JHARKHAND

HONING FARMERS THROUGH FARMERS FIELD SCHOOL

Among the primary reasons for farmers to get distressed is low farm output due to

lack of technology and subsequent dwindling income from it. Both the issues are

a direct result of inadequate knowledge about technology, production and market.

To address these key components, HDFC Bank Parivartan facilitated setting up of

a Farmers Field School (FFS) in 61 locations of Ranchi, Ramgarh, Dumka, Khunti

and Chaibasa in Jharkhand.

FFS is an activity-based non-formal education activity that empowers farmers to

solve problems on their own based on demonstrations of new technology, organic

inputs and improved agri practices. FFS focuses on developing GAP – Good

Agriculture Practices for sustained agro-based livelihood. Given the FFS is well

updated with new agricultural developments, the farmers can also avail the facility

for improving their marketing, thus improving income.

The programme focuses on enhancing the farmers’ skill along with agriculture

knowledge. Integrated Pest Management, Integrated Soil Nutrient Management,

production process of bio fertilisers, bio pesticides etc are among the several

topics covered under the training programme.

The farmers are able to learn new and sustainable techniques with fellow farmers that enables knowledge sharing and builds confidence in scaling up.

The initiative has not only helped farmers grow further but has also developed a

symbiotic relationship between them and the ecology as they now promote and

exercise sustainable agriculture practices.

Under Parivartan, the FFS has covered over 3,000 farmers.

14 | CSR JHARKHAND

FINANCIAL LITERACY AND INCLUSIONEnabling communities to break the cycle of poverty and

enter the banking fold

41,200+FINANCIAL LITERACY CAMPS

2.64+ lakhPEOPLE

IMPACT IN JHARKHAND

15 | CSR JHARKHAND

MOTIVATING TRIBAL GIRLS THROUGH SPORTSLocation: Jhinkpani block, West Singhbhum district

Beneficiaries: 239 girl students

The challenge: Villages in the Jhinkpani block have agri-based economies but suffer from neglect of farm lands due to poor or no knowledge of multiple cropping. This leads to seasonal migration and families with little or no education have their children working at an early age. The area being surrounded by mines, the adolescents of the community would seek daily wage jobs at brick kiln sites, stone crusher units, etc.

The engagement: The Bank with its partner NGO NEEDS identified that the tribal communities in the area were close to traditional sports activities. The Ho community in particular is inclined towards archery. Hoping to leverage this, a 15-day Archery Camp was held in July 2018. A total of 239 adolescent girls from 11 to 18 years from 15 villages were identified and 74 girls were selected for the camp.

Since then, the teachers have reported increased attendance by the girls following the camp. Their story has also served as an inspiration for other girls, who have shown interest in archery and other sports. In fact, six girls have been selected by the West Singhbhum Archery for State Archery Championship.

A positive step towards ushering in Parivartan.

16 | CSR JHARKHAND

PROMOTING THE CAUSE OF CLEANLINESS

Location: Usra village, Ramgarh district in Jharkhand

Beneficiaries: Residents of Usra and 14 other villages

The challenge: Waste management is a pressing concern, not just in our country but across the world. There is a dire lack of awareness on responsible waste management practices and the harmful effects of plastic use. As a result there is widespread environmental degradation, the effect of which is felt on human and animal life. The residents of Ramgarh district found themselves in a similar situation, and felt the need to bring about a sustainable change.

Our intervention: The Bank partnered with KGVK, Ranchi and came up with the unique concept of Plastic Do Paudha Lo (Give plastic, take a sapling) to generate awareness and motivate people to take the driver’s seat in protecting the environment. The drive was initiated at Panchayat Usra in Ramgarh. A ‘Prabhat Pheri’ was organised where more than 220 students, teachers and villagers participated. A rangoli-making competition was also organised for students to encourage participation.

The aim was to get the residents to bring in their used plastic bags. These were collected and the participants were given fruit saplings in exchange. Over 2,000 mango saplings were distributed in the community. An orientation session was also held to further inform the residents of the benefits of waste management and reduced use of plastic.

The drive is now gaining momentum, with sensitisation events held in all the 14 villages of Ramgarh district under Bank’s Holistic Rural Development Programme.

17 | CSR JHARKHAND

18 | CSR JHARKHAND

IMPLEMENTATION PARTNERS

Rural Development: Professional Assistance For Development Action, KGVK, Network For Enterprise Enhancement and Development Support Needs, Nav Bharat Jagriti Kendra

Promotion of Education: Sri Aurobindo Society

Skill Development and Livelihood Enhancement: Paniit Alumni Reach For India Foundation, Head Held High Foundation