Women Empowerment



Bank Linkage


Bank linkage of women self-help groups has been of the prime activities of Sambhav. Sambhav has been working in association with NABARD towards formation of women self-help groups. However in the longer course for the women groups it becomes more viable if they are able to receive financial support through financial institutions. Sambhav has been workingin close convergence with the support of NABARD towards linkage of women self-help groups with local banks and financial institutions. The grading system laid down by NABARD is used for assessment of the women self help group. So far Sambhav has been able to link over 1800 women self-help groups with banks like state bank of India, regional rural banks, ICICI bank etc. These groups have been also supported by the organisation in empanelling themselves as service providers for various government schemes such as mid-day meal, operation of PDS shops as well as Anganwadi centres.


Entrepreneurship Development



  • Dairy – Economics, demand, animal care and marketing

  • Health workers training

  • Marketing of medicinal herbs

  • Goat Rearing-

  • SHG training of entrepreneurship

  • Earthen pot –new design and value addition

  • Organization building of Fishermen, carpenters and tailoring community

  • Embroidery, Bangle makers and rural cosmetic venders- group formation, saving, bulk purchases and increasing stocks



Financial Literacy



  • Assessment of clients’ financial cash flow and helping the client analyze her actual requirement based on household income.

  • Communicating about financial matters with family or household members

  • Calculating income

  • Identifying expenses

  • Identifying and assessing assets and debts

  • Reducing debts

  • Determining ways to save money through BC model and SHG

  • Keeping records

  • Determining insurance needs through micro-insurance services

  • All information regarding money taken from the client is made available to client during meetings and also available on the receipts as well as the application form.




Sambhav is involved in SHG formation and Bank Linkage program supported by NABARD. About 1200 SHGs have been formed in 9 districts of M.P & U.P. These SHGs have their bank account with different banks and they do their regular saving and internal lending. Around 600 SHGs have been linked with Bank. Sambhav has also collaborated with ICICI Bank and working as a Business Correspondent. More than 1000 individual Saving Account have been opened and a borrower can operate account with zero balance and can deposit and withdraw min 10 Rs per day.





Micro-saving is a critical role in ensuring that a person is self-reliant financially in situations of emergencies. In a scenario of an availability of credit and funds urban and rural populations are generally exposed to the vicious net of private money lenders. In a large number of cases the loan is never repaid, and the interest amount keeps on mounting.

Considering this fact has nationwide concern and the sector goal Sambhav is playing its role in promoting micro-saving through formation of women self-help groups as well as assisting individuals in opening bank accounts with zero balance in private as well as nationalised banks. Sambhav has tied up with ICICI bank in Gwalior to operate a business correspondence unit where micro-saving accounts are offered to slum populations on zero balance. The business corresponded model is equipped through smart card service offered through FINO.


Women Self Help Groups


Sambhav’s philosophy behind formation of women self-help groups is diversified, from just being of financial institution to a more right-based model. Sambhav has worked with numerous agencies on various aspects of women self help groups. By and large women self-help group are seen as a body for promoting savings and financial self sustainability of women coming from low-income groups. However Sambhav focuses on the strengthening of these groups in terms of women rights, child rights, community health, tribal rights and livelihood rights.

To date Sambhav has formed over 2500 women self help groups spread over seven districts of Madhya Pradesh and two districts of Uttar Pradesh. Most of these groups are linked with banks as well as are also operational at community level advocacy groups to amplify community issues especially in the light of women rights. Sambhav follows the NABARD model for the group formation.

Call us:




Email: sambhavngo@gmail.com

Find us: 

Gargi House, 93-A, Balwant Nagar

Gandhi Road, Gwalior-474002

Madhya Pradesh, India

Constitution : Sambhav is registered under M.P Society registration Act 1973

Date of Registration :19th July 1988, Registration No: 20301


· Registered under the provisions of sec-12 A and 80-G of Income Tax Act-1961,

· PAN –AALFS8755R,

· TAN-BPL S05960D

· TIN-23385207347

· FCRA No.063280004R,Dated 18.02.1991

· ISO 9001:2000 Certified