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ಸಾಮಾಜಿಕ ಜಾಗೃತಿ ಕಾರ್ಯಕ್ರಮ Social Awareness Programs on Enrolment and Facilitation of Skill Training

Enrolment and Facilitation of Skill Training

With the goal to increase community awareness about Skill Development Trainings in RUDSETI & RSETI ,collectively we are conducting awareness programs in the villages.These programs are helping us to create good awareness in the rural community.

Ambadagatti Village, Kittur Branch
The program module covers the entire information about residential training's like-Available skill training's, Training period,Stay facility,Food facility,Future support,Bank linkage etc which is provided by the RUDSETI & RSETI . Presently we are connected with RUDSETI-Dharwad, Chitradurga and RSETI Haliyal, Raichur.

Post this program we will distribute training applications to all the participants.These applications will be in local language and helps villagers to select the training in which they are interested.As the trainings are evenly distributed by focussing on male & female beneficiaries.

Presently we have conducted 9 programs from Janaury 2016.Our future focus is to increase these program number to maximum extent to reach large population in the rural.Meanwhile we also interested to work with the training centres which are solely managed by banks like RSET Institutions etc.

Hosahanchinal Village, Kundgol Branch
Enrollment and Skill Development Training Awareness program was organised by chaitanya India Fin Credit Private Limited in collaboration with RUDSETI Dharwad on 11th April 2016 in Hosahanchinal Dist: Dharwad, Tq: Kundgol. Mr Channappa from RUDSETI, Mr Umesh Branch Manager Kundgol & Miss Renuka Loan Officer Kundgol branch were participated in this program.

Livestock Social Activities

This is an important area of awareness, where we are working past from 4 years. The main motto behind this program is to impart the knowledge in purchasing, care taking, maintenance etc for milch animals for higher productivity through local educational videos.


Camp Venue: Hotyapura

Camp Venue: Mudub Siddapura
# of Camps
# of Animals Treated
Branch Name
Hotyapura Tq: Honnalli
Mudub Siddapur Tq: Shikaripur


Livestock Educational Video Part II

Livestock Educational Video Part I

Please visit for full video

Video Show in Ambadagatti Village

Video Show in Kamadolli Village 

ವೃತ್ತಿ ಕೌಶಲ್ಯ ಅಭಿವೃದ್ಧಿ ತರಬೇತಿ Enterprise Development Program

ಚೈತನ್ಯದ ಚಿಲುಮೆ ಉದ್ಯಮದ ಒಲುಮೆ

[Sponsored by Oiko Credit & Hand in Hand India] 

From February 29, 2016 To March 5, 2016
Place: Samudhay Bhavan, Yeleval Village

Training Highlights



ಚೈತನ್ಯ ಸಂಸ್ಥೆಯು ಮಹಿಳೆಯರಿಗೆ ಸಣ್ಣ ಉದ್ಯಮಗಳನ್ನು ಒದಗಿಸುವ ನಿಟ್ಟಿನಲ್ಲಿ ಮೊದಲನೆ ಬಾರಿಗೆ ವೃತ್ತಿ ಕೌಶಲ್ಯ ತರಬೇತಿಯನ್ನು ಯೆಲೆವಾಳ ಗ್ರಾಮದಲ್ಲಿ ಹಮ್ಮಿಕೊಂಡಿತ್ತು.ಈ ತರಬೇತಿಯು ಒಇಕೊ ಕ್ರೆಡಿಟ್ ಹಾಗೂ ಹ್ಯಾಂಡ್ ಇನ್ ಹ್ಯಾಂಡ್ ಇಂಡಿಯಾ ಸಂಸ್ಥೆಯ ಸಹಯೋಗದೊಂದಿಗೆ ಯಶಸ್ವಿಯಾಯಿತು.ತರಬೇತಿಯು ಸುಲಭವಾಗಿ ದೊರೆಯುವ ಕಚ್ಚಾವಸ್ತುಗಳಿಂದ  ಪೇಪರ್ ತಿರುಳಿನ ಬೊಂಬೆಗಳನ್ನು ತಯಾರಿಸುವುದಕ್ಕೆ ಸಂಬಂಧಪಟ್ಟಿದ್ದು, ೧೫ ಮಹಿಳೆಯರಿಗೆ ೬ ದಿನಗಳ ತರಬೇತಿಯನ್ನು ಕೊಡಲಾಯಿತು.

ಅರ್ಥಿಕ ಸಾಕ್ಷರತೆ ಹಾಗೂ ಜಾಗೃತಿ ಕಾರ್ಯಕ್ರಮ Financial Literacy And Awareness Program

ನಮ್ಮ ನಡಿಗೆ ಅರ್ಥಿಕ ಸೇರ್ಪಡೆಯ ಕಡೆಗೆ 

Chikkagondanahalli, Jagalur Branch
ಚೈತನ್ಯ ಸಂಸ್ಥೆಯು ಅರ್ಥಿಕ ಸಾಕ್ಷರತೆ ಕಾರ್ಯಕ್ರಮ ಹಾಗೂ ಇನ್ನಿತರ ಜಾಗೃತಿ  ಕಾರ್ಯಕ್ರಮಗಳನ್ನು ಹಮ್ಮಿಕೊಳ್ಳುವುದರ ಮೂಲಕ ಹಳ್ಳಿಯ ಜನರಲ್ಲಿ ಹಲವಾರು ಮಾಹಿತಿಗಳ ಬಗ್ಗೆ ಅರಿವು ಮೂಡಿಸುತ್ತಿದೆ. ಬ್ಯಾಂಕಿನ ವ್ಯವಹಾರದ ಬಗ್ಗೆ ,ಬ್ಯಾಂಕಿನಲ್ಲಿ ದೊರೆಯುವ ಸರ್ಕಾರದ ಯೋಜನೆಗಳು ಅಂದರೆ ಪ್ರಧಾನ ಮಂತ್ರಿ ಜನಧನ ಯೋಜನೆ, ಪ್ರಧಾನ ಮಂತ್ರಿ ಜೀವನ ಜ್ಯೋತಿ ಭಿಮಾ ಯೋಜನೆ , ಪ್ರಧಾನ ಮಂತ್ರಿ ಸುರಕ್ಷಾ ಭಿಮಾ ಯೋಜನೆ, ಅಟಲ್ ಪಿಂಚಣಿ ಯೋಜನೆ,ಸುಕನ್ಯಾ ಸಮೃದ್ದಿ ಯೋಜನೆ,ಎಲ್. ಪಿ. ಜಿ ಸಬ್ಸಿಡಿ ಇತ್ಯಾದಿ ವಿಷಯಗಳ ಬಗ್ಗೆ ಸಂಪೂರ್ಣ ಮಾಹಿತಿಯನ್ನು ನೀಡುವುದರ ಜೊತೆಗೆ ಜನಧನ ಖಾತೆಯನ್ನು ನಿರ್ವಹಿಸುವ ರೀತಿ ಅದರಿಂದ ಪಡೆಯಬಹುದಾದ ಲಾಭಗಳ ಕುರಿತು ಸಾಕಷ್ಟು ಉಪಯುಕ್ತ ಮಾಹಿತಿಯನ್ನು ಹಳ್ಳಿಯ ಜನರಿಗೆ ಅರ್ಥವಾಗುವ ಭಾಷೆಯಲ್ಲಿ ತಿಳಿಸಿ ಹೇಳುವುದು  ಈ ಕಾರ್ಯಕ್ರಮದ ಮುಖ್ಯ ಉದ್ದೇಶವಾಗಿದೆ.  

Chaitanya started conducting Financial Literacy and Awareness Program in the villages.The core objective of this program is to impart knowledge in villagers about basic banking and available government schemes in the banks like- PMJDY, PMJJBY, PMSBY, APY, SSY, LPG Subsidy etc. With this we are also educating villagers about usage of Jan-Dhan Accounts to obtain its benefits. Conducting these programs in local languages to make understand our villagers.

Nandikatta Village,Kalghatagi Branch
The program in this Nandikatta Village conducted by Chaitanya on 25th April 2016 in coordination with KVGB, Mundgod.  Mr M V Kulkarni from the literacy center, Team of Kalgatagi branch [Chaitanya] were actively participated for the success of this program.

Shake off your problems 

Well, this is not only a short story but also something else. Spare some time to read Nilavva’s real life story who shared this with us. Nilavva Yallappa Mutagi, is our customer, aged 48yrs resident of Kamadenu, There are 2 members in the family Nilavva & her granddaughter Kalavati. Nilavva is basically uneducated & married Mr.Yallappa from Belavantara village in early age both were happy with the married life. One bad day when they were working in the farm Nilavva’s leg was bitten by a snake. But poison not affected immediately as Nilavva was 4months pregnant by that time.Nilavva parents took her to Kamadenu for delivery during 6months of her pregnancy & she had given birth to girl baby. When baby was 1 month old Nilavva started facing problem with her leg for snake bite which happened with her months back. Same time her husband married another girl. Nilavva spent nearly 9 years in KMC hospital, Hubli for leg treatment but nothing got solved doctor suggested to cut the leg permanently for which Nilavva was not ready. Slowly her brothers also started neglecting to take further responsibility of her. She came out of the family with her baby & started staying in the village temple for 5months, with the help of villagers’meal she used to run her day today life. By seeing her leg pain villager decided to help her further treatment but the option was again she need to go for artificial leg. 


Nilavva lost hope for living but listening to villagers & doctors she finally operated with artificial leg.Nilavva became bit confident with her leg & thought herself why wasting time in always thinking about my problems? I can also lead my life happily & show my husband that am happier than before. She learnt tailoring & approached NGO for sewing machine, received 30-40 land from govt. With the financial support from govt subsidy & MFI loan she constructed house in half of the site. With the maximum support from Govt,NGO & MFI facilities she was able to manage her family expenses.

After a year’s her daughter got married but due to dowry problem she committed suicide living 3 children(Yallappa 5yrs,Kalavati 2yrs & Nagaraj 6months) when family not ready for these children responsibility Nilavva decided to take Kalvati where her son in-law taken Yallappa's responsibility & Nagaraj(6 month old) baby been adopted by neighbor village high school teacher.

At present Kalavati (14yr) staying with her grandmother(Nilavva) pursuing her high school education with the help Nilavva.Lot more problem in the life brought learning & change in Nilavva life for each step she lost hope but stepped forward always with confident

Today she is live example for a villager (Especially widow, Separated & unmarried women) who is desperate. When we met her she is very active & doing multiple tasks with one artificial leg like tailoring, Baskets weaving, Hand craft (Kasuti), being uneducated she is earning commission by acting as an agent for insurance, earning small amount of money by helping villagers in getting widow/old age pension not only this, with the help of her contacts she is helping villagers hospital assistance (like Where to go, how to go, whom to meet in the hospital) etc.

After receiving benefits from Govt,NGO,MFI, insurance company (Plot, sanitary facility, sewing machine, finance support, mobile phone) she is expecting handicap bike from the people who is really interested into help her for further. This bike will help her in doing activities quickly. She is aiming to construct the house in other half land with the help of govt subsidy or MFI loan in earning further income from letting it for rent.In the age of 48 Nilavva is more interested to take skill based training which will help her to make the products which she can easily combine with her tailoring business to earn some more profit.

Nilavva Mutagi

Flag making activity


This is not a usual article: here the Chaitanya client is only an employee. So the article is about the whole business in general.

Ishwar Itagi, 49 years old, is the owner of this flag making business in the village of Garag. His wife is a teacher while their 3 children are students. 

His family started making flags in the year of 1956 with an initial investment of 65 lacs (6, 5 million rupees), and with the support of the KVIC (Khadi and Village and Industries Commission). 

Early on the activity was restricted to only make ISI (Indian Standard Institution, a quality label) marked flag, or flag clothes. But now the same unit is also making khadi  items such as lungis, hankies, towels etc.

They are the only ones making this activity with 2 units in the Garag village, and they also have other units elsewhere : Tadkod, Khanapur, Kotabagi, etc. 

They have an aim of no profit no loss : the goal is to provide employment opportunities to rural people, local ladies including Chaitanya clients, and make the nominal profit to cover its costs. Not earn more profit. 

His employees are at 99% women.

Production steps

The main raw materials are maida, gum, oil and cotton which are supplied by the KVIC and the Chitradurga labour plant. 

The process starts by converting cotton into thread with handloom machine. Then warping, drying and rewinding. Afterward, they make the bobins , then the doles, and finally do the weaving process.

The working hours are from 8am to 6pm, with a lunch break of 1 to 1,5 hours, and the final products are shipped all over India. 

Economics of the activity

Here are presented the daily material costs for each part of the production process:

a)  Thread making : 5 rupees for 1 bundle of 500 meters, and they use 15 of them daily. 15 members are working on it.
b)    Bobin rewinding : 2.70 per bundle, with 25 bundles. This process is done by 3 persons.  
c)    Bobin making : 1.90 rs per bundle times 70 bundles . 4 villagers are needed for it.
d)   Weaving: 13.5 rs per meter * 10 meters. 40 members are working on that part of the production process. 

Which makes a total cost for the raw materials of 75 + 70.2 + 133 + 135 = 413,2 rupees per day. 

Kava making activity


Channavva Somappa Kurabar, client of Chaitanya, is living in the village of K.K. Koppa

She is doing the kava making activity with the help of her grandmother only since she lost her husband, and  is also working in Anganwadi as a school helper.                        

They are 30 other families involved in this business in her village, and they have been doing it for the past 80 years.            

Production steps

To make kava they boil some milk, using firewood, and stir it regularly for 5 hours off season to produce around 12kg. This corresponds to their daily activity off season. Then they sell it to the Belgaum market at the end of the day.

The conditions of production are quite exhausting, especially due to the heat.  

It is used to make final products such as peda (picture on the left), kunda and jamun (on the right) :

Economics of the activity

50 litters of milk, at 35 rupees the litter, are required to produce 12kg of kava. The costs of this activity are, daily and off season: 50 litters of milk at 35 rupees the litter, so 1750 rupees. And 200 rupees of firewood. Which makes 1950 of cost per day.    

Since they sell each kilograms 180 to 200 rupees, if with take the average of 190, we find that they make every day around 2280 rupees of sales off season.

This daily revenues and costs can be turned into a monthly profit. Multiplying by 30, we get a revenue of 68400 and a cost of 58500 rs, to which we have to add the use of the tools. Indeed, they use a big bowl and a stick, which they change every 3 years and cost respectively 3000 and 500 rs. So we have to add monthly 100 of cost to take that into account, getting then a total cost of 58600. The monthly off season profit is then of 9800 rupees. 

During the season, they double their output, producing around 24kg per day. The daily costs and revenues are then doubled: 3900 of cost and 4560 of revenue. Monthly, we have a profit of 19700 rupees. 

Yearly then, the profit is of 9800*8 + 19700*4 = 157 200. 

But it is not their only source of revenues: they get 2500 per month as a helper and 500 of pension so 7200 per month of total income. 

Per year then, when we add up all the revenues it makes in total around 243 6000 rupees.

The 25000 rupees loan taken in May 2015 was used to buy the milk and firewood in advance. This isa common need for loans in many activities.  

Saree making activity


The client, Mahadevi Sidappa Bagana, 28 yo, is involved with her husband in the saree making business in Sulebhavi.
It has been a continued activity for 25 years, which is the only source of income for this family of four, having one son and a daughter who are both students. It is one of the main activity of this small village, with 500 to 600 families engaged in it.

Production steps 

They have 3 machines which they use to make the sarees, as we can see in the video. They own them entirely except for one part, the dole which is a crucial part of the machine (see photo). 

They have to borrow it, as well as the raw materials, to make the sarees. The person that provide it in exchange buy their sarees at a fixed price. 

This is an example of proto-industry: they own the machines (except the dole) but they don’t buy the raw materials: they get it and sell the sarees to the same person who furnishes them. He sells them after to the local markets of Belgaum and Ramdarg.

Daily, a machine can weave 3 sarees, and it is done every day.

Economics of the activity

Here are their costs of production: 
- 500 rupees of electricity per month. 
- 200 rupees of monthly repair cost. 
- 3 litters of oil (1 per machine) per month, at 200 rupees the litter.

For the raw materials, they need 30kg of thread, at 400 rupees the kg, to make 115 sarees in average, depending on which material. That’s the part of the cost they don’t pay, it is supplied to them.

So the costs per month are 500 (electricity) + 200 (repair) + 600 (oil) = 1300 rupees. 

For the revenues: with 115 polyester sarees they get 7500 and 10 000 rupees for the cotton ones.

Since they have a daily production of 9 sarees, they make around 270 sarees per month. From those 270 sarees, if we split in half the production between polyester and cotton, we get 11739 rs of revenue for the former and 8804 for the latter. The monthly revenue is then something around 20183 rupees. 

Revenue minus cost makes 18 883 rs of profit, so 226596 rupees per year for the household in total, having no other source of revenues.

Finally, they used the February 2015 loan of 15000 rupees to purchase machine materials. 

Pot making activity


The client here is Puthalabai Suresh Kumbar, a 45 year old woman living in the Gaarlagunji village.

She has been doing this activity for 40 years with the help of her husband and her son, among 800 other families in this village.       

Production steps        

It starts by putting the mud on the wheel, that someone actionnates on the other side to make it turn. Using their hands, they shape the mud to create different pots. The next step is to even the surface by tapping on it and to heat it to get the final product. Sometimes they decorate them with paint afterwards. 


The production time varies according to the person using the wheel and which pot they make. They work from 7 to 10 in the morning, and 5 to 8 in the evening, every day of every months. 

They store their pots in a shed and sell them at various places (Goa, Kollapur, Nippaw, Belgaum…).

Economics of the activity   


Monthly, they use:             

- 3 tractors of mud, at 3000/4000 rs the tractor            

- 3000-4000 rupees of firewood       

- 2000 to 3000 rupees of colour shade           

- 800 of electricity 

- Around 21 000 rs of labour (they use 2 to 3 workers, and pay them 300 rs per day).       
- 50 000 rupees of shed to store the pots       
- Thousands on transportation costs, varying where they sell their products (7000 to Goa, 5000 for Nippaw, etc).      
- Each wheel costs 15 000 rs, and their replacement takes place every 3 years. They have 3 wheels but they don’t use all of them every day, it depends on the number of workers.      

After taking all those costs into account, they make a profit above 15000 off season, and around 20000-25000 rupees during Deepavali, Sanrranti and the Ganesh festival. Which makes around 200 000 roupies per year for the household, which is their only revenue. 

The Chaitanya loan was taken on March 2015 to purchase raw materials.