Niveshak Didi

Niveshak Didi: The Investor Education and Protection Fund Authority (IEPFA) and India Post Payments Bank (IPPB) have signed a Memorandum of Agreement to launch Phase 2 of the Niveshak Didi initiative to deepen financial literacy among rural women in India.

• About Niveshak Didi Initiative:

o Women-led Financial Literacy Drive: Empowers rural women through community-based financial education.

o Launched in: 2023; now expanded in Phase 2 in April 2025.

o Implemented by: Investor Education and Protection Fund Authority (IEPFA) under Ministry of Corporate Affairs. India Post Payments Bank (IPPB) under Department of Posts, Ministry of Communications.

o Objective: Spread financial awareness and responsible money management in rural areas.

ü Encourage inclusive banking, digital literacy, & fraud prevention through local women influencers.

• Key Features:

o Grassroots Deployment: 40,000+ women postal workers to be trained as Niveshak Didis for outreach in underserved areas.

o Financial Literacy Camps: 4,000+ new camps to be organised across rural, semi-urban, and tribal regions.

o Focused Curriculum Includes: Savings, digital banking, safe investment, & fraud prevention.

o Women-Centric Model: Over 60% beneficiaries in Phase 1 were women from remote areas, leveraging their community influence.

o Digital Inclusion: Promotes paperless and cashless banking using IPPB tools in 13 vernacular languages.