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A world free of poverty in which every individualhas the freedom and power to create and sustain ajust society in which to live.To empower the poor to participate in and benefit fromthe Indian growth process through integrated actionin the fields of elementary education, sustainablelivelihoods, primary health and financial inclusion. Thiswill be achieved through active collaboration with thegovernment and independent organisations.V i s i o n M i s s i o n3


C o n t e n tFor over five decades, the ICICIGroup has actively contributedto India’s economic growth anddevelopment. Promoting inclusivegrowth has been a priority forthe Group from both a social andbusiness perspective.Message from Mr. K.V. KamathMessage from Ms. Chanda KochharMessage from Mr. Subrata MukherjiOur Initiatives across IndiaElementary EducationSustainable LivelihoodsPrimary HealthAccess to FinanceIn the NewsFinancials456782232445062We strive to make a difference to our customers,to society and to the nation’s development directlythrough our products and services, as well as throughour development initiatives and community outreachprogrammes.ICICI Foundation for Inclusive Growth (ICICIFoundation) was established by the ICICI Group inearly 2008 to carry forward and build upon its legacyof promoting inclusive growth. ICICI Foundationworks with government authorities and specialisedgrassroots organisations to support development workin its four identified focus areas. We are committedto investing in long-term efforts to support inclusivegrowth through effective interventions.This year our increased focus in each of ourprogrammes in the areas of elementary education,sustainable livelihoods, primary health, and access tofinance has enabled us to ensure that our impact onthe ground is maximised for beneficiaries.4 5


Message from theChairmanGoverning Council,ICICI Foundation for Inclusive GrowthMessage from Member of the Governing CouncilICICI Foundation forInclusive GrowthThe transformation ofthe Indian economyand its continuinggrowth potential createimmense opportunity foraddressing the issues ofpoverty in an acceleratedtimeframe by buildingcapacity among thepoor and underservedto participate in thisgrowth. This requiresbuilding an inclusivegrowth frameworkwith innovativeinterventions in keyareas like education,sustainable livelihoodsand healthcare.The transformation of the Indian economyand its continuing growth potential createimmense opportunity for addressingthe issues of poverty in an acceleratedtimeframe by building capacity amongthe poor and underserved to participatein this growth. This requires buildingan inclusive growth framework withinnovative interventions in key areas likeeducation, sustainable livelihoods andhealthcare. These are the pillars that arerequired for sustaining long-term growthand prosperity. The ICICI Group, throughICICI Foundation for Inclusive Growth,is committed to helping to create anecosystem that promotes inclusivenessand delivers holistic benefits for everysegment of society. We have focused onintervening in areas that would empowerpeople to benefit from the rapid growth inthe economy.This year, ICICI Foundation furtherstrengthened its efforts in the identifiedareas of elementary education, sustainablelivelihoods, primary health, and accessto finance. Our activities focused onbuilding capabilities and developinginnovative models in these areas that canbe replicated and scaled up in future. Ourinitiatives are being implemented throughpartnerships with government institutionsand independent grassroots organisationswith the aim to complement their effortsand create maximum impact. Thispartnership was further deepened duringthe year through several new initiativesand support received from the localinstitutions.Recognising the work done by severalorganisations in promoting inclusivegrowth across the country, we celebratedthe achievements of some of the leadersfor their path-breaking accomplishmentsduring the year. The initiative aimedto increase awareness through mediacoverage as well as provide a platformto these thought leaders to share theirenriching ideas and social initiatives.I am pleased to present the fourth annualreport of ICICI Foundation for InclusiveGrowth which provides insight into theprogress made in each of our focus areaswith specific programme details and casestudies.K.V. KamathChairman, Governing Council,ICICI Foundation for Inclusive Growth andChairman, Board of Directors, ICICI Bank“ICICI Foundation wasestablished in 2008 toscale up and accelerateour philanthropicinitiatives. These fouryears have been arewarding learningexperience in our journeyof creating an institutionwith a dedicated focuson building the enablersfor an inclusive growthparadigm for India.”This is the fourth year of operations ofthe ICICI Foundation for Inclusive Growth.While the ICICI Group has been a partnerin India’s progress for over five decadesthrough its business operations andsocial initiatives, ICICI Foundation wasestablished in 2008 to scale up andaccelerate our philanthropic initiatives.These four years have been a rewardinglearning experience in our journey ofcreating an institution with a dedicatedfocus on building the enablers for aninclusive growth paradigm for India.ICICI Foundation’s effort has been topartner with state governments andlocal institutions to create an ecosystemfor inclusive growth with a focus onspecific growth enablers. In the areaof elementary education, we haveendeavoured to function within the policyframework provided by the Governmentof India and have partnered with thestate governments of Rajasthan andChhattisgarh to improve teaching andlearning outcomes in the state-runschools. This is being done by designingsyllabi, developing new textbooks andproviding teacher training modules, as wellas participating in the implementation ofthe state-wide programme. Similarly, inthe area of primary health, ICICI Foundationcommenced work to reduce malnutritionand improve nutritional resources inremote areas during the year. It alsoundertook a pilot programme for providinginsured outpatient care in one district eachin Odisha and Gujarat. This initiative aimedto improve health seeking behaviour of lowincome groups and reduce out-of-pocketexpenses to make healthcare accessible.This year we also strengthened oursustainable livelihoods programmethrough the Rural Self-EmploymentTraining Institutes in Udaipur and Jodhpurin Rajasthan. Training modules weredeveloped to impart locally relevantvocational skills to youth in the area.Also, a holistic approach was adopted byfacilitating credit linkages, engaging withpotential employers and imparting basicfinancial literacy to the trainees.The ICICI Group is committed to workingon initiatives that make a lasting socioeconomicimpact by helping more andmore people to have access to theenablers – education, healthcare, skillsand financial services – that are necessaryfor them to become part of the growthprocess. It is our endeavour to help lay thefoundation for a strong, prosperous andinclusive India.Chanda KochharMember of the Governing Council, ICICIFoundation for Inclusive Growth andManaging Director & CEO, ICICI Bank6 7


Message from thePRESIDENT“This year, ICICIFoundation has workedtowards deepeningits interventions inthe focus areas ofelementary education,sustainable livelihoods,primary health andaccess to finance. ”ICICI Foundation forInclusive GrowthThis year, ICICI Foundation has workedtowards deepening its interventions inthe focus areas of elementary education,sustainable livelihoods, primary healthand access to finance. We have done thisby closely evaluating our work, analysingthe challenges faced and realigning ourprogrammes for maximum impact.Each of our programmes met critical goalsthis year. In elementary education, theSchool and Teacher Education Reformprogramme (a collaboration betweenICICI Foundation and the Government ofRajasthan) successfully developed andimplemented new English Languagetextbooks for classes VI, VII, and VIII forthe current academic year, and approvedpublication of 13 newly developedtextbooks for classes I to VIII in all staterunschools in Rajasthan for the nextacademic year (p10). We have trained over3,200 beneficiaries till date in sustainablelivelihoods at our Rural Self EmploymentTraining Institutes (RSETIs) in Udaipurand Jodhpur (p 24). In primary health, ourOutpatient Healthcare pilot programme (acollaborative effort with the Governmentof India’s RSBY programme and otherpartners) saw about 0.7 million enrolmentsin the past year (p 34). Based on the pilot,the Central government has now decidedin-principle to implement outpatienthealthcare in all RSBY empanelledhospitals across the country. In the areaof access to finance, the Foundation’sfinancial literacy programme is expandingto cover RSETI youth trainees, women’sSelf Help Groups and school children.In 2012, we carried forward our mandateto create awareness about inclusivegrowth through the media to reachlarger audiences. The Inside India – Ideasfor Inclusive Growth initiative was ourmaiden attempt with CNBC TV18 toadvocate the importance of inclusivegrowth in the larger public sphere alongwith documenting the efforts of differentindividuals and organisations in thisdirection. The three-part initiative includedthe Inside India TV series, the Inside IndiaSummit in Delhi on June 21, 2012, andthe Inclusive India Awards in Mumbai onAugust 18, 2012. (p 52).The challenges and successesencountered thus far motivate us tostrengthen our work and further expandour reach across the country in the comingyears. As you read through the fourthedition of our Annual Report, I invite youto share with us your views on how India’sgrowth can be made more inclusive.We look forward to your thoughts andideas.Subrata MukherjiPresidentICICI Foundation for Inclusive GrowthOur Interventionsacross IndiaElementary EducationSustainable LivelihoodsPrimary HealthAccess to FinanceOthersNote: Includes interventionsof ICICI Foundation forInclusive Growth and itspredecessor the SocialInitiatives Group (SIG) ofICICI Bank and all directinterventions of ICICI Group8 companies.9


Creatingquality ineducation10 11


Creatingquality ineducationSCHOOL AND teACheR EDUCAtiON REFORMPROGRAMME, RajASthanThe School and Teacher Education Reform Programme is ICICIFoundation’s flagship programme which is being implementedthrough a six-year partnership with the Government ofRajasthan. This programme aims to deliver child-centriclearning environments in elementary schools where teachersact as facilitators for instilling critical thinking and meaningfullearning among students. This initiative targets to ultimatelyimpact over 7 million children, 300,000 in-service teachersand 20,000 new teachers in 81,000 government schoolsacross Rajasthan.The School and Teacher Education Reform programme hasfour key components:ICICI Foundation believes that for India’s growth to be inclusive andsustainable, access to quality education is a prerequisite. Qualityeducation is necessary to build a productive society capable ofactively driving a social, economic and political agenda through wideparticipation of its people. India’s school system needs to produce futurecitizens who not only have the educational qualification to becomeeconomically productive, but also possess qualities such as criticalthinking, sensitivity, tolerance, and creativity. We believe that by the timea child completes elementary school education she should be able toread, write and express herself confidently and creatively and be capableof critical enquiry.In 2011-12, ICICI Foundation made significant progress in implementingits programmes that it had conceptualised and developed in 2010-11 inthe field of elementary education.I. Revision and renewal of curriculum, syllabus guidelines anddevelopment of new textbooksII. Teacher education and trainingIII. Governance and institutional accountabilityIV. Impact assessmentThis programme is guided by several government mandatesthat aim to improve the accessibility and quality of elementaryeducation in India. The Government of India’s NationalCurriculum Framework (NCF) 2005, National CurriculumFramework for Teacher Education (NCFTE) 2009 and Rightof Children to Free and Compulsory Education (RtE) Act2009 provide the framework for the School and TeacherEducation Reform Programme. The State Institute ofEducational Research and Training (SIERT), Rajasthan does theimplementation of the programme in partnership with ICICIFoundation with the help of a multi-level monitoring structure.At the first level, there is a Unit for Teacher Education(UTE) situated within the SIERT which directly oversees theprogramme implementation. Every outcome of the programmeis vetted and approved by a State Steering Committee (SSC)Achievement in 2011-2012 In Rajasthan, we continue to facilitate and guide the process of textbookdevelopment in line with the new aims and vision of education set forth in the NCF 2005 and RtE 2009.While English language textbooks for classes VI, VII and VIII have been introduced across state-run schoolsfor the current 2012-13 academic year, 13 more textbooks in Social Science, Hindi, English, EnvironmentalScience and Math for classes I to VIII have been approved for inclusion in the next academic year. Thesetextbooks will benefit over 7 million students across Rajasthan.“The Schooland TeacherEducationReformprogramme ofthe Governmentof Rajasthan inpartnership withICICI Foundation for Inclusive Growthseeks to inculcate the essence of theNational Curriculum Framework 2005,the National Curriculum Frameworkfor Teacher Education 2009, andthe Right of Children to Free andCompulsory Education Act 2009with special emphasis on qualityeducation in elementary schools. Theprogramme aims to provide a holisticeducation to the students througha child-centric learning approach.In the process, the Foundation hassuccessfully ensured the participationof a wide range of state and nationallevel resources, representingschools, universities, subject matterexperts and independent specialistorganisations. This process has beenintense and has brought about anovel approach to finding solutionsfor the challenges faced in reformingelementary education.”Ms Veenu GuptaPrincipal Secretary, EducationGovernment of Rajasthan12 13


Creatingquality ineducationThis programme withICICI Foundationhas achieved severalsignificant milestones.While curriculumguidelines and syllabifor school textbookshave been prepared, thenewly completed Englishlanguage text books havebeen introduced in classes VI, VII and VIII ingovernment schools in this current academicyear. The programme is now focusing onpublishing 13 newly developed textbooks thathave recently been approved and will be taughtin the next academic year. Going forward, thefocus will be on training of in-service teacherswhich in turn will ensure better classroomtransactions for empowered learning.”Mr Bhasker SawantCommissioner, Rajasthan Councilof Elementary Educationwhich comprises of national and state level educationists andsubject matter experts, Government education functionaries,specialist organisations and other stakeholders. All thesemonitoring structures work in tandem with the StateGovernment for the desired outcomes.I. Revision and RenewAL OF CURRiCULUM,SyLLAbUS GUidelines and new TextbOOKSSince curriculum, syllabus guidelines and textbooks determinethe basic content delivered in education, these have becomethe focal point of ICICI Foundation’s efforts in elementaryeducation.This programme entails four stages. In the first stage, anapproach paper is created that details the broad guidelinesfor curriculum development as per the NCF 2005. Second, acurriculum is developed based on the guiding principles setout in the approach paper. In the third stage, the syllabusguidelines are determined, detailing how the curriculum willbe implemented and finally in the fourth stage, textbooks aredeveloped to incorporate all the principles as set out in thecurriculum and syllabus.A Teacher Educator Group (TEG), comprising of about 250experts and academicians from state-run educationalagencies, other educational institutions and universitiesacross the country, develops the textbooks. Textbook-writingis a rigorous process with sub-groups of TEG going throughmultiple stages of evaluation and revision of the contentbefore it is presented to the State Steering Committee (SSC)for final approval. Upon approval, some of these materialsare placed in the public domain inviting suggestions from thepublic at large. Thereafter the textbooks are published andintroduced in the state-run schools.On February 15, 2012, the programme team officially handedover the newly-developed English language textbooksfor classes VI, VII and VIII to Mr. Brij Kishore Sharma, theEducation Minister of Rajasthan. The textbooks have alreadybeen introduced in government schools across Rajasthan inthe current academic year 2012-13.The SSC headed by Prof. M.A. Khader, approved the proposedsyllabi for Social Sciences for classes VI, VII and VIII and thesyllabi for English, Hindi, Environmental Studies (EVS) andMaths for classes I to V, at its meeting held on April 30, 2012.On November 8, 2012 the SSC reviewed the newly writtentextbooks for Social Science for classes VI, VII and VII, andfor Hindi, Environmental Studies (EVS), and Math for classesI through V. The Committee has so far approved 13 textbookswhich will soon be printed for teaching in the next academicyear.Textbook development for the remaining subjects for classes IIand IV will be taken up in the next academic year.II. TeACher eDUCAtion and tRAiningHistorically, the process of “learning” in the Indian educationsystem has involved a teacher providing knowledge and astudent memorising what is being taught. Teachers havebeen perceived as storehouses of knowledge and students asblank slates. This idea has been challenged in the Governmentof India’s NCF 2005, in which education is understood notas a transfer of knowledge from teacher to student, but asan interaction between the two. This view – that teachersmust learn alongside children and adapt to their abilities andunderstanding – is the key principle behind ICICI Foundation’steacher education and training programme.Our objective is to enable teaching and learning processes tomove away from rote methods of instruction so that India’sclassrooms can become student-friendly environments thatnurture creativity, learning and knowledge construction.Under the reformed education programme, teachers areexpected to be critical, reflective and sensitive. For manyteachers, this is a radical shift from their existing classroompractices and methods of preparation. To support teachers inmaking this shift, ICICI Foundation, in partnership with stategovernments, is revisiting the areas of teacher education andpedagogic support.Our teacher education and training programme focuseson two critical aspects. The first aspect concentrates onstrengthening the institutional systems for teacher educationat state and district levels through pre-service and in-serviceteacher education, such that the programmes are renewedin terms of their curriculum, content and delivery. The secondaspect focuses on aligning and strengthening linkages atdistrict, block and cluster levels for better classroom supportto teachers to enable them toperform effectively in their newlyenvisaged roles. For instance, inRajasthan, Nodal Headmasters(covering a cluster of 7-8schools) are positioned alongsideblock level resource facilitators inorder to provide constant inputsto in-service teachers.• In-service Teacher Trainingand Pre-service TeacherEducationIn-service Teacher Trainingre-orients current teachers inline with the reformed educationsystem, which includesnewly developed curriculum,syllabus and textbooks. For14 15


Creatingquality ineducationbodies. The ICT platform will include materials such asself-paced e-learning multimedia films for specific teachingpractices and creation of virtual learning communities.III. GOVernance and institutionALACCOUntabilityThe School and Teacher Education Reform Programme alsosupports the professional development of administrativefunctionaries, such as District Education Officers, BlockEducation Officers, and District Project Coordinators. Throughthis professional development programme, we aim to coverissues at large that impact learning environments.implementation of the in-service teacher training programme,a pool of state-level key resource persons has been createdto provide training to district and block level master trainersacross all the districts of Rajasthan, who in turn providetraining to in-service teachers. The resource persons andtrainers include members of the Teacher Education Groups(TEG), as well as outside academicians and educationpractitioners.Our work in Pre-service Teacher Education has twocomponents. The first component involves revising thetwo-year Basic School Training Certificate (BSTC) course bydeveloping new curriculum, syllabus and reading materialsfor 18 subjects. The second component includes creating acomprehensive academic programme for the faculty of allthe District Institutes of Education and Training (DIETs) in thenew pre-service curriculum. Several members of the TEG areinvolved in the pre-service teacher education programme’simplementation process.• Information and Communications Technology (ICT) forTeacher EducationICICI Foundation believes that the sheer magnitude of India’steaching workforce poses unique challenges in providingthem with high-quality professional training and developmentopportunities. We aim to use ICT platforms for in-serviceteacher education and we shortly propose to commence apilot at the block level in one district of Rajasthan.The pilot will focus on using ICT to facilitate continuousteachers’ learning and academic enrichment by leveragingexisting technology and infrastructure available throughpartnerships with private organisations and governmentAt the district level, Teacher Support Units (TSU) have beencreated within the DIET for the three districts in Rajasthanwhere 150 schools are being developed to become RtE (Rightto Education) compliant. The Government of India’s RtE Actof 2009 specifies that every child between the ages of 6 and14 has a right to good quality, free and compulsory education.The Act also provides details of what is considered qualityeducation. In addition to requiring that neighbourhood schoolsdo not discriminate against children of any background, RtEalso mandates the recruitment and training of an adequatenumber of teachers to meet the required 1:30 ratio acrossall classes (one teacher for every thirty students) andthe establishment of School Management Committees(SMCs), which are community-based groups of parents andstakeholders for effective oversight of each school. The TSUsprovide support to on-ground resource personnel who deliveracademic inputs and support to school teachers.IV. iMPACt ASSeSSMentThe Teacher Support Unit (TSU) conducts school visitstwice a month for all 150 demonstration or model schoolslocated in three districts of Rajasthan. On average, eachmember of the TSU is responsible for 10-12 schools. The visitconducted by the TSU members is based on all aspects of theschool’s functioning including morning assembly, classroomtransactions, mid-day meals and cleanliness and upkeep of thebuildings, playground, library and classrooms. Based on theoutcome of such visits, TSU members engage with the schoolfaculty members to give feedback and help resolve theirissues and challenges.One of the mainobjectives of thepartnership betweenthe Governmentof Rajasthan andICICI Foundation forInclusive Growthwas to empower andenhance capacityof the State Institute for EducationResearch and Training (SIERT) as thestate academic authority for improvingquality of education in Rajasthan.We have covered significant groundsince the last one year – be it in theprogrammes, filling up of criticalvacancies with specialist subject matterexperts or interacting closely with alarge number of key resources in thearea of elementary education.”Mr B. S. SanduDirector, SIERT, Udaipur16 17


Creatingquality ineducationPajentori School - A model RtE compliant school in Shahbad, Baran District, RajasthanOne of the first model schools where the Governmentof Rajasthan and ICICI Foundation intervened wasPajentori School located in Shahbad in Baran district,Rajasthan. Within one year of intervention, totalenrolments in the school increased from 115 to 144students. Additionally, the girl-boy ratio showedsignificant improvement with current female studentenrolment at 81 outnumbering male student enrolmentat 63.The headmaster of the school, Mr. Sraban Kumarsays, “one very obvious benefit of making the schoolRtE compliant is that the enrolment procedure hasbecome more inclusive. Further, there is a visibleimprovement in the attendance record of studentsas many interesting and fun features have now beenincorporated into the curriculum.”As per the RtE guidelines, many new features havebeen incorporated into the daily routine of the school.For instance, previously morning assembly at theschool comprised of only prayer singing. Theseprayers were less interactive, thereby invitinglower participation from students. In line with RtEguidelines, the school has now ensured that thecontent and format of the morning assembly is moreinteractive. The morning assembly now typicallycomprises of a secular prayer, a skit depicting a storywith a moral, a story telling session, a newspaperreading session and the national anthem.This school has benefitted from other aspects of theRtE Act of 2009 as well. The school environment isnow friendly and child centric. Classroom transactionshave become more interactive with teachers using‘learning by doing’ approaches and group activities.Course material is more interesting and set in thecontext of the students’ environment. Now, there isalso a functioning School Management Committee(SMC). The SMC comprises of fifteen membersincluding twelve parents of children currentlyattending the school, a student representative, theheadmaster who acts as Secretary to the committeeand a Chairperson who is elected from within thecommunity.One parent and member of the SMC, Mr. BadriPrasad, has noticed several changes in the schoolsince it became RtE compliant. He says, “It feels goodto have a say in the management of the school thatour children go to. This way we know that we have aresponsibility in all aspects of our children’s educationfrom the food they eat to the classrooms they use.For instance, ever since two members of the SMChave taken charge of the mid-day meals, the numberof health, hygiene and taste related issues with regardto food have come down significantly.”Approach toDevelopingRTE CompliantSchools12345Support 150 selected schools in threedistricts to become RtE compliantdemonstration/model schoolsDevelop systems to enablecomprehensive and continuousacademic evaluation of studentsEnsure establishment of functionalSchool Management Committees(SMCs) in each schoolPrepare and support 80 Nodalheadmasters for their new academicrole as envisaged by RtECreation of in-service training modulesand their testing on a pilot basisENGLISH RELAY PROGRAMME, AssamWe recognise the value of English language proficiency forboth personal and professional development of our youth.Towards this end, ICICI Foundation launched the English RelayProgramme to improve English language skills of children inAssam in 2011. This programme is a partnership with AxomSarba Shiksha Abhijan (SSA), Government of Assam andIL&FS Education and Technology Services (IL&FS-ETS) is ourimplementation partner.This pilot level English language training project aims to impactthe students of 100 government-run elementary schools overnine blocks in Kamrup district in Assam, ultimately coveringabout 14,000 students in classes I to V. The programme isspecifically designed for students who learn English as theirsecond or third language and has been customised accordingto the needs of teachers and students.The key components of the pilot include:• Creation of input-rich learning environments with the use ofEnglish Relay Programme (ERP) kits to encourage students’interest in English proficiency.• Development of teacher competencies through our EnglishLanguage Training (ELT) programme.• Delivery of continuous assistance to teachers throughweekly check-in and support visits throughout the tenure ofthe project.EnGLish ReLAy PROGRAMMe (ERP) KitsERP kits contain interactive Teaching-Learning Materials (TLM)like audio tapes, flash cards, games and posters. The kitswere distributed across all 100 pilot schools and 239 EnglishTeachers were then trained on use of these kits across thenine blocks.The ERP kit was contextualised and fine-tuned according toa needs assessment study conducted in the pilot schools forthis project. A comprehensive analysis of the ERP kit materialswas also done in light of the National Curriculum Framework(NCF) 2005 and relevant position papers released by NCERTfor this purpose. Following the needs-assessment study andpre-testing of the content, the material developed was furthercontextualised and customised to suit the needs of studentsand teachers. The facilitator manuals for classes I to V weretranslated into the local Assamese language.Development and EvaluationDuring the mid-term of the project period, refresher trainingsessions were conducted in March 2012, to (a) provide usefulfeedback to teachers who were new to teaching English usingthe ERP kit; (b) gauge any change in competency in the useof ERP kit; and (c) understand and address difficulties theteachers faced with respect to classroom implementation ofthe ERP project.18 19


Creatingquality ineducationThe impact study of the programme was based on comparisonof analysis from the baseline and endline performance ofstudents in English language skills in reading, speaking, writingand listening.FindinGS• There was a marginal increase in the endline performanceof students in the treatment group as compared to thosein the control group. In particular, there was an increasein performance in the endline for reading and speakingcompetencies in treatment groups as compared to controlgroups.• The analysis showed that in general, younger studentsin the treatment group showed significantly moreimprovement than older students over the course of thestudy. Similar to the overall findings, the younger studentsin the treatment group showed statistically significantimprovement at a marginal level in reading and speakingcompetencies compared to those in the control group.MUKTANGAN, MumbaiIn alignment with ICICI Foundation’s focus on school andteacher education reform, ICICI Foundation supportsMuktangan for its three-year professional teacher educationprogramme which is aimed at improving pre-service teachereducation. Muktangan is a Mumbai based NGO that addressesissues and challenges endemic to the mainstream schooleducational system. The strength of Muktangan lies in itsunique, intensive system of teacher education where preservicetraining is largely school-based, thereby integratingtheory with practice.The initiative ICICI Foundation supports consists of a oneyearfoundation course and internship followed by two yearsof school based residency and elective courses for aspiringteachers. These courses are in compliance with the relevantnorms and policies of Right to Education (RtE) Act, 2009 andNational Curriculum Framework for Teacher Education (NCFTE)Act, 2009. The newly trained teachers are then formallyplaced in Government schools where Muktangan providesongoing classroom support.The model uses a wholesome approach combining inclusive,child-centred learning with its integrated school-based teachertraining programme. The objective of the programme is toevolve sustainable, replicable models of quality child-centricteacher education and school programmes. These are createdin partnership with marginalised communities in Mumbai tointegrate them into mainstream schooling.The programme covers 90 teacher trainees, 250 facultymembers and will impact 2,100 students.ICICI Foundation signs MoU with Governmentof ChhattisgarhIn 2002, ICICI Bank and its partners in collaboration with thethen newly formed state of Chhattisgarh developed newcurriculum and textbooks for classes I to VIII which werecontextualised to the state’s socio-cultural background. Thesebooks have been in use in the state since 2007 impactingapproximately five million children in the state. Taking thisrelationship forward, ICICI Foundation signed an MoU withthe Government of Chhattisgarh on July 10, 2012, to enable afurther qualitative shift in teaching-learning processes.Building upon the outcomes of the earlier work of ICICI Bankwith SCERT, Chhattisgarh, and the recent learnings of ICICIFoundation from the School and Teacher Education ReformProgramme, Rajasthan, ICICI Foundation entered into a publicprivatepartnership with the Government of Chhattisgarh toundertake the following key initiatives aimed at improving thequality of elementary education:I. School Curriculum and Textbook Development• Revise the State Curriculum Framework, 2007 in line withthe Right to Education Act (RtE), 2009• Institute a mechanism of periodic review andredevelopment of textbooks• Development of additional support material for teachers andCluster Academic Coordinators (CACs)II. Pre-service Teacher Education• Strengthen the pre-service teacher education programmein the state for new teachers in partnership with the SCERTand the District Institutes of Education and Training (DIETs)20 21


Creatingquality ineducationIII. In-Service Teacher Education• For In-service Trained TeachersSupport continuous professional development ofteachers by:w Developing 4 DIETs as subject-specific centres ofexcellence. Each DIET will serve as an innovation centrefor one specific subject and will, over a period of time,develop 4 sub-centres. These centres eventually willoffer demand-driven academic enrichment and supporton their specialised subjects.w Periodic publication of a magazine for teachers in orderto ensure wider dissemination of the knowledge basebeing created in the area of elementary education.w Instituting mechanism for need identification forteachers’ professional development and for guidingteacher education programme development. This willinclude:u Institutionalising mechanisms for needsassessment of teachers’ content knowledge.u Institutionalising mechanisms of gathering data onclassroom practices and teacher pedagogy.u On a pilot basis, 300 teachers of science andmathematics in upper primary schools will beselected for intensive training in these subjects withthe purpose of improving the quality of teachingthese subjects across the state.•For In-service Untrained Teachersu Developing and implementing an e-learningplatform for the untrained government elementaryschool teachers in order to accelerate their trainingin a consistent manner.IV. DIETs, Block Resource Centres (BRCs), Cluster ResourceCentres (CRCs) and Schools• Strengthening of DIETs, BRCs and CRCs.V. Academic Enrichment at SCERT• Comprehensive professional development of academicfunctionaries including SCERT and DIET faculty, BRC’s,Cluster Academic Coordinators (CACs) and CRCCoordinators.VI. Strengthening Technical Capacity at the SCERT• Support in-house production of educational videos forstudent teacher learning.VII. Professional Development of AdministrativeFunctionaries• Developing professional development programmes foradministrative functionaries, namely, District ProgrammeCoordinators (DPCs), District Education Officers (DEOs)and Block Education Officer (BEOs). This will include insitu training on communication and interpersonal skills,problem-solving ability, multi-tasking strengths, strongcomputer and mathematics skills, etc.VIII. Scholarships and Awards• In order to encourage and recognise pre-service teacherlearning, scholarship for 180 student teachers (10 studentteachers per DIET) will be provided. Also, select inserviceteachers from the state will be honoured everyyear. An award for one teacher per district for a total of20 educational districts will be instituted for innovativeteaching practices.IX. RtE Compliant Schools• Anchor the training processes related to the developmentof 100 schools in one block in the state as RtE compliantschools.22 23


DevelopingsustainableLivelihoodsIn India, there is an urgent need to bridge the gap between demand andsupply of skilled labour considering the growing employment opportunitiesemerging with high growth in the economy. In the next decade, economicgrowth is likely to create over 500 million jobs, 75% of which will be skillbased.As of today, 70% of the people entering the job market every yearare unskilled and need to be aided through appropriate skill development.Rural Self Employment Training Institute (RSETI), Udaipur and Jodhpurwere established on March 5, 2006 and March 10, 2007 respectivelyunder the directive of MoRD as part of eBOR (Erstwhile Bank ofRajasthan). Both the RSETIs were taken over by ICICI Bank in the year2011. ICICI Foundation manages these RSETIs on behalf of ICICI Bank.Both the RSETIs adhere to the guidelines issued by National Instituteof Rural Development (NIRD) by conducting trainings for rural andmarginalised youth. They offer intensive short-term residential and onlocationtraining programmes in various trades.O u r a p p r o a c h12345Identify local opportunitiesfor employmentCreate curriculumand content for skilldevelopment for theselocally identified vocationsIdentity and train mastertrainers for the vocationaltraining coursesMobilise local community,especially underprivilegedand marginalised youth,to participate in thevocational training coursesAdapt teachingmethods to the needsand capability of theparticipantsOver 3,200 rural youthhave been trained acrossall courses at ICICIFoundation’s RSETIsICICI Foundation has identified local opportunities foremployment and has designed relevant vocational trainingcourses to map this demand. The Foundation has also createdawareness of the two RSETIs within the local communitiesand provided linkages with local employers.In this sphere as well, ICICI Foundation works in partnershipwith government bodies that sponsor skills training. Suchgovernment bodies include Zilla Parishads, Rajasthan Missionon Skills & Livelihoods (RMOL), National Bank for Agricultureand Rural Development (NABARD), etc.RSETIs in Udaipur and JodhpurFor the past year our RSETIs in Udaipur and Jodhpur havetrained rural youth between the ages of 18-35 in a varietyof relevant vocations. The RSETIs run both residential andon-location training courses in order to have a larger impact onthe community. On-location training courses enable local youthto receive vocational training without having to commute longdistances or sacrifice on their current sources of income.The vocational training courses currently being taughtinclude mobile repairing, electrician (house wiring), masonrytraining, leather goods manufacturing, dairy management,vermin composting, food preservation (papad & badi making),tailoring, beauty parlour training, hand embroidery and bagmaking amongst others.In Jodhpur, the Government of Rajasthan has recently givenICICI 3,703 sq meters of land in Rajiv Gandhi Nagar Yojana tobuild a permanent ICICI - RSETI campus.67Integrate FinancialLiteracy module in thecourses to enable theyouth to manage theirfinancial resourceseffectivelyFacilitate job placementsthrough local business/industry linkages.50 artisans were trained by KONBAC, Sindhudurg underthe Bamboo Product Enterprise at Jhadol, Rajasthan26 27


DevelopingsustainableLivelihoods“Our Family Income Will Increase 10 Fold”Every morning Reena, 20, and her two younger sistersSangeetha, 18, and Pooja, 16, walked two kilometresto the Forest Department’s community hall in Jhadoldistrict, Udaipur to train at the RSETI run Bamboo CraftWorkshop. The trio are currently learning to makebamboo nails, which are used in assembling bamboofurniture sets. The three sisters have already learnedhow to identify and sort bamboo and will soon betraining in the various processes involved in bamboofurniture making: bamboo treating, straightening, skinremoval, knot removal, assembly, polishing and painting.The sisters come from a family of seven and while theirfather works as a cleaner at the village Gram Panchayatoffice, his meagre ` 1,200 per month salary is notenough to meet the household expenses. “Ever sincewe started training at the Bamboo Craft Workshop, thefamily income has increased to ` 5,700 per month, witheach of us receiving a stipend of ` 1,500 per month astrainees. Once we complete our training we will eachearn ` 4,000 per month, increasing the total familyincome ten folds to about ` 12,000 per month. We alsohave the option of working from home,” says Reena,who now hopes to complete her college educationthrough distance learning while continuing to lendfinancial support to her family.Labourer to Master TrainerNathulal Damor, 55, spent two months away fromhis family to train as an artisan at the KONBAC site inKudal, Maharashtra, in the first batch of the RSETI runBamboo craft workshop. Having now completed histraining, he works at the workshop in Jhadol, earning` 4,000 per month.Nathulal says, “Before being recruited by KONBAC,I used to work as a labourer earning `100 per dayfor about 100 odd days a year. With about ` 10,000annual income I had to educate my two sons and fundmy household expenses, which was difficult at times.Now I feel happy that I have acquired a new skill andcan adequately support my family’s needs.”As Nathulal continues to elaborate on his success, hepats the back of his 19 year-old son Shankarlal Damor.Shankarlal is completing his 12th standard throughcorrespondence course and has decided to lend ahelping hand to the family. He has enrolled in the thirdbatch of bamboo craft training and is already earning` 1,500 per month.BambOO PRODUCt EnteRPRisePiloted by the Foundation, the Bamboo Product Enterpriseat Jhadol block in Udaipur district is an RSETI success story.Here we have integrated the philosophy of on-location trainingin locally-relevant skill sets, judicious use of local naturalresources and creation of new employment opportunities.A joint initiative of ICICI - RSETI, Udaipur, and Departmentof Forests Rajasthan, the programme seeks to providesustainable livelihood options in bamboo based enterprisesto the Kathodi tribe that constitutes 70% of the Jhadolblock population in Udaipur. The abundant naturally availablebamboo in the area makes this a viable livelihood option.The Bamboo Product Enterprise project aids artisans with itsthree main goals – training in bamboo product manufacturing,establishing production units and creating market linkages.The training programme aims to coach 50 tribal candidatesin manufacturing of various bamboo products such ashandicrafts, furniture, housing structures such as gazebos andtoys.Started in April 2012, the project kicked-off with an on-locationtwo-month training of 8 potential Master Artisan candidatesfrom within the community at the Konkan Bamboo and CaneDevelopment Centre (KONBAC), in Kudal, Sindhudurg district,Maharashtra. The candidates were developed as artisans forbamboo-based products and provided with all the resourcesneeded for bamboo processing and product development.The second phase of the project included the training of 18candidates as artisans at the Forest Range premises at Jhadolblock in Udaipur district.ICICI Foundation’s RSETI at Udaipur undertook the overallcoordination and monitoring of the project and the StateForest Department took responsibility for supportingcommunity mobilisation, procuring bamboo, and for providinga production unit for the trainings at the Forest Rangepremises.Master Artisans and subject matter experts from KONBACprovided technical support for the training and provided marketlinkages for selling the bamboo based products.MASOnARyCurrently a lot of construction activity is underway in Rajasthanincluding roads, buildings and infrastructure. Keeping in viewthis large demand, ICICI Foundation’s RSETI Udaipur hasstarted a masonry training course. This course touches uponall aspects of construction and will also help place newlytrained youth with local construction contractors and builders.To date, the RSETI has placed 350 youth at construction sitesin and around Rajasthan.An unskilled labourer earnsapproximately ` 100 per day but atrained mason can earn up to ` 300to ` 400 per day.28 29


Advancingprimaryhealth3435


AdvancingprimaryhealthOUTPAtient heALthCARE PROGRAMME,GujARAt & OdhishaICICI Foundation believes that good health is crucial for inclusive growth.Proper healthcare and nutrition from childhood ensures that individualsbecome productive members of society. The Foundation’s work in healthfocuses on strengthening public health delivery systems which will improveaccess to healthcare for some of the poorest communities across India.We focus here on two developments this year in our work in the field ofprimary health. First, we have deepened our intervention in the OutpatientHealthcare Programme with 676,535 beneficiary enrolments and second,we signed a new MoU with the Government of Rajasthan to work onStrengthening Convergent Action for Reducing Child Undernutrition, inBaran district, Rajasthan.per month. This includes doctor’s consultations fees and thecost of diagnostics and medicines. 1Progress at a glanceAt Puri, more than40 public and privatehealthcare providersare participating in thepilot programme whileat Mehsana more than100 providers have beenempanelled including allcommunity health centresand primary health centresin the district.As of December 2012,Puri has seen morethan 65,000 claims andMehsana has loggedmore than 30,000 claims.Encouraged by theresponse, it has now beendecided to extend the pilotprogramme by one moreyear in both the districts.Recent improvements in health indicators and thedevelopment of the health sector in India are a result of supplyand demand side interventions initiated by the Governmentof India in the last decade. The focus of these interventionshas been to improve access to healthcare for all households,especially in rural and remote areas. In 2008, the Governmentof India introduced Rashtriya Swasthya Bima Yojana (RSBY) toreduce the burden of healthcare spending for BPL populationand members of the unorganised workforce. RSBY aims tofinancially empower people to be able to choose and utilisehospital facilities in their area.While inpatient healthcare is expensive and therefore acrucial area for government intervention, recent studies haveindicated that outpatient healthcare too puts a significantfinancial burden on families. Outpatient healthcare spendingin India is very high; it is estimated that an individual in needof medical assistance in India spends on an average, ` 257 inrural areas and ` 306 in urban areas on outpatient healthcareNow, through the RSBY platform, International LabourOrganisation (ILO) and ICICI Foundation are experimenting withnew mechanisms to provide outpatient healthcare to the poor.In June 2011, a pilot Outpatient (OP) Healthcare Programmefor the poor was implemented in two districts in India - Puridistrict in Odisha and Mehsana district in Gujarat - with thefollowing objectives:• To improve health seeking behaviour among theBPL population• To improve access to quality healthcare for theBPL population• To reduce out of pocket expenses for quality healthcareIn line with the philosophy of ICICI Foundation, the pilotprogramme is being implemented in partnership with Centraland State Governments and ICICI Lombard is the implementingpartner.36 37


AdvancingprimaryhealthICICI Foundation is funding the insurance premium for theprogramme and is also its Chief Learning Partner, responsiblefor research and documentation for the pilot OP Healthcareprogramme. Our focus includes assessing and constantlyworking to improve the pilot programme in order to enablefuture scale up of the OP Healthcare programme.On account of the encouraging response from the healthcareproviders as well as from the beneficiaries in the first year, thestakeholders have decided to extend the Pilot projects in boththe districts for one more year. During this second year we willIn view of the poor Internet connectivityin rural areas, the programme has nowintroduced a mobile phone application onpilot basis, which allows doctors to use thesmart cards directly with their phones.strive to further improve the experience of patients throughcontinuous monitoring of the programme.Given the learnings of the pilot Outpatient Healthcareprogramme so far, the Government has, in-principle, decidedto incorporate outpatient care into the RSBY programmesrunning across all the empanelled hospitals in the country.Patient BenefitsUnder the pilot OP Healthcare programme:In furtheranceof the inclusiveagenda ofRashtriyaSwasthyaBima Yojana(RSBY) of theGovernmentof India, anOutpatientHealthcareProgramme has been piloted inpartnership with the InternationalLabour Organization (ILO) and ICICIFoundation for Inclusive Growthin the districts of Puri, Odisha andMehsana, Gujarat. Learnings fromthese experimental projects for thelast one year have been significant.These will go a long way in shapingthe policy and practice in the criticalarea of outpatient healthcare in thecountry.”Anil Swarup, IASDirector General - Labour WelfareMinistry of Labour and Employment (MoLE)• Free consultation and necessary drugs for 10 outpatientvisits per year per household in the empanelled outpatientclinics – pre-existing diseases are also covered under thisscheme.• For each event of illness, the programme allows householdmembers to access the outpatient services for a period ofup to 7 consecutive days, should there be a need for followup.• A health record is created for each patient and stored in acentralized server.Use OF TechnOLOGy in the iMPLementation OFOutPAtient HeALthCARe PROGRAMMeUnder the pilot programme, the outpatient healthcare benefitsare offered to the same BPL households that are eligible andhave registered for RSBY’s Inpatient scheme. At Puri over 0.4million people have been enrolled while at Mehsana about0.3 million people have enrolled for the Outpatient Healthcareprogramme. Upon enrolment in the programme, each familyis given a smart card wherein the finger prints of the familymembers are recorded. When the beneficiary visits thehospital to avail the OP Healthcare services, the healthcareprovider authenticates the beneficiary by matching the fingerprints on the card through a reader given to each serviceprovider.For recording health seeking behaviour and the medical historyof beneficiaries, analytics software has been developed andprovided to each healthcare provider. The software enablesthe provider to record the medical history, diagnosis, drugsprescribed, etc of the beneficiary. Upon completion of themedical visit, all the inputs from the transaction are saved forAt Puri over 0.4 million people havebeen enrolled while at Mehsana about0.3 million people have enrolled for theOutpatient Healthcare programme.future reference. Periodic uploads of the saved transactions,data are transmitted from the providers’ computer to theinsurer’s server.Once the transactions hit the insurer’s server, they areprocessed electronically within a pre-defined time period andpayments made, making the experience of patients and healthproviders quick, seamless and hassle-free.38 39


Advancingprimaryhealth“With OP smart card seeking healthcare is quick and inexpensive”Seventy-year-old Jinathbibi, a housewife fromKadi, near Peergalli Mosque, Mehsana, lives withher husband, son, daughter-in-law and two grandchildren. Her son is the sole bread winner in the familyand earns approximately ` 3,000-4,000 a month.He heard about the RSBY enrolment drive during ahealth awareness campaign organised under theprogramme. On the date of enrolment in September2011, the entire family went to the Taluka office andwere enrolled at the kiosk set up there. “The smartcard was issued on the spot after the fingerprints andthe photos where taken. We paid ` 30 for the card.We also received an information booklet about thedetails of the scheme,” says Jinathbibi, who has sinceused the smart card twice – once when her 9-yearold grand-daughter was down with fever and anothertime for herself when she suffered from a bout ofgiddiness.On April 24, 2012, Jinathbibi visited AsharafiDispensary, her neighbourhood clinic, which is alsoan empanelled private clinic under the RSBY OPscheme. After waiting for about 15 minutes for herturn, Jinathbibi entered the doctor’s room with herRSBY smart card. Dr. Sheika inserted the card into thefingerprint scanner to verify the beneficiary details.After her identity was verified the doctor examinedher and fed in her information about her symptoms,diagnosis and treatment into the OP software.She was also provided with a printed slip with hervisit information. The doctor diagnosed Jinathbibiwith vertigo and prescribed her with the necessarymedication.Then Jinathbibi went to the clinic’s pharmacy andcollected the prescribed medication. “In the past weused to delay seeking medical advice/care due tofinancial reasons. However, now we can get medicalcare without any expenditure on consultations andmedicines,” says Jinathbibi.Apna ClinicApna Clinic is an ICICI Foundation Initiative that provideshealthcare as well as counselling on health, hygiene androad safety to truckers who pass through Transport Nagarat Nigdi in Pune, Maharashtra. As the name suggests, ApnaClinic (‘Our’ Clinic) has become an integral part of the truckercommunity. Unlike a standard clinic which only provides healthcheck-ups and prescription facilities, Apna Clinic also providesa friendly environment for truck drivers to visit, interact withfellow truckers and receive counselling from qualified doctorsand various health and hygiene specialists. The clinic alsooffers yoga and health counseling sessions for the truckers.“I have come all the way from Jalandhar to Pune and this timemy brother is also with me. He has a chronic backache andI brought him for treatment to the Apna Clinic as I trust thequality of treatment and services offered here,” says 35 yearold Narayan Shukla.Apna Clinic is a three-year joint initiative of ICICI Foundation,ICICI Lombard General Insurance Company and SevadhamTrust.COMMUnity OUTREACH PROGRAMMEMeet Harbhajan Singh, a truck driver from Haryana who hasbeen on the road for the last 25 years. He got to know aboutApna Clinic one day while watching a street-play put up byApna Clinic volunteers. He had noticed a large crowd of over100 people on the street in Nigdi and coming closer, he sawthe crowd was watching an interesting and engaging streetplaydepicting the importance of health, hygiene and roadsafety.It was during this play that he learned about the Apna Clinicand its clinical and outreach services and has been a regularhere since then.In addition to these informative daily street-plays, volunteersand outreach workers conduct other engaging activities tospread awareness about Apna Clinic. For example, everyrestaurant, tea stall and food stall in Nigdi has an Apna Clinicbanner put up on the front of the store and every banner iscustomised to incorporate the name of the restaurant, teastall or food stall so that no separate banners are required.Another important element of the Outreach programme isApna Clinic’s ‘peer education’ project. This element buildsupon the power of word-of-mouth to spread awareness aboutthe clinic.A peer educator is usually someone who has benefited fromthe Apna Clinic services and therefore believes in its purposeand approach. Peer educators then go out into the communityand gather crowds to spread awareness about Apna Clinic byelaborating on their own experiences.ENSURinG COMMUnity inVOLVMent AND BUILDinG ASUSTAinABLE PROGRAMMEApna Clinic’s work is also guided by a committee of 15transporters and brokers called the Trucker’s WelfareCommittee (TWC) who look after the overall well-being oftruckers. The TWC meets every month to review issues faced40 41


Advancingprimaryhealthby truckers, plan programmes going forward and discussspecial cases when they arise. Balkrishna Vohra, a transporterand member of the TWC, said, “When Kamalnath, a 32 yearold trucker, recently expired, we at TWC voluntarily collected` 90,000 for his wife and three children.”The creation of an active TWC also ensures long termsustainability of the Apna Clinic initiative. The idea is for thecommunity to take ownership of the initiative so that theintervention is truly sustainable on its own and an exit strategycan be implemented. Sevadham Trust, the implementingpartner for the Apna clinic programme, is working veryclosely with other stakeholders such as the Pimpri ChinchwadMunicipal Corporation (PCMC) and the Transport Associationto sensitise them on the issues faced by truckers.Strengthening Convergent Action forReducing Child Undernutrition, RajasthanFor the past 35 years, India’s primary policy towardscombating child malnutrition has been the Integrated ChildDevelopment Scheme (ICDS). However, despite these efforts,“the levels of under-nutrition continue to remain unacceptablyhigh and the rates of reduction in under-nutrition over timedisappointingly low” 2 .In particular, there is an urgent need to work on reducing childmalnutrition in rural and tribal areas in India where the ratesof malnutrition are highest. Improvement in child nutrition canonly be achieved by working on a comprehensive model forprevention, management and treatment of malnutrition andchildhood illnesses. Recognising this urgent need to improvethe situation with regard to child health and nutrition, ICICIFoundation is working on a three year convergent health andnutrition project in Baran district of Rajasthan.The project named Strengthening Convergent Action forReducing Child Under-Nutrition, is being implemented in 253Anganwadi centres (AWCs) across Shahabad and Kishanganjblocks of Baran district in partnership with the Departmentof Women and Child Development 3 of the Government ofRajasthan. The project will mostly work amongst the Sahariyatribe, a vulnerable primitive tribal group in Rajasthan with anestimated population of 7% of the total district population and30% of the population of Shahabad and Kishanganj blocks 4 .BASE Line FinDinGSA baseline survey conducted in the project area by theInstitute of Health Management and Research (IHMR), Jaipursuggests that the nutritional status of the project areasof Shahabad and Kishanganj in Baran district is very poor.According to the survey, 30.2% of children of age 0-59 monthsare acutely malnourished and 11 % are in severe condition(Severe Acute Malnutrition - SAM) meaning they are highlyvulnerable to infections and deathOther demographic characteristics of the communities in thisdistrict also highlight their vulnerable state. The average age ofmarriage in the district is 16.5 years and 60.8% of women inthe district are illiterate.On the economic front, daily wage labour is still the mainsource of income for more than 60% of the district’shouseholds. Most women in the district go out for work andnearly 38% of the young children in the area are cared for byolder siblings thereby causing them to drop out of the formaleducation system.The access and coverage of health services is also very lowin the Shahabad and Kishanganj blocks. Only 50% of childrenin the age group of 6 months to 6 years are registered at theAnganwadi centres and the coverage of measles vaccinationis as low as 40%. Only 47% of women in the district registerpregnancies at the Anganwadi centres within three months ofpregnancy and 20% of the pregnant women in the area do notregister themselves at all, resulting in their inability to accesshealth and nutrition services that would normally be availableto them.CREAtinG A heALthy BALANCEIn geographical areas with extremely poor nutritional situationand poor health services, the best way to address theseproblems is to strengthen public systems by mobilisingcommunities to sustainably address the problem of undernutritionin the area from within.Through the programme we seek to:• Improve the nutritional status of 0-6 year olds in 253 AWCsof Shahabad and Kishanganj blocks of Baran district throughThe BaranMalnutritionProgrammewill cover 253Aganwadi Centersacross 2 blocks- Shahabad andKishanganj,impacting over1 million lives inthe areaprevention, management and treatment of children sufferingfrom malnutrition.• Strengthen the ICDS programme with a ManagementInformation System (MIS) to improving growth monitoring,supplementary nutrition, referral and treatment, trainingof ICDS and related NRHM staff and providing supportivesupervision.• Improve community awareness and action on child undernutrition.• Assess the impact of the pilot project, assimilate its learningfor subsequent scale up.• Demonstrate the importance of strengthening existinggovernment programmes to address the problem of undernutritionin a sustainable manner.Scope of work will include:• Improving the process of monitoring growth in AWCs andencouraging pregnant woman and mothers to visit AWCs.• Establishing and building capacity of Self Help Groups forthe production and distribution of quality supplementarynutrition.• Improving the functioning of the Malnutrition TreatmentCentres (MTC) at Shahabad & Kelwada Community HealthCentres and at Baran District Hospital.• Building capacity of all ICDS and relevant NRHM staff (suchas those related to MTC) for improved service delivery• Strengthening and supporting the supervision of AnganwadiCentres.• Enhancing community participation in ICDS.Implementation of the project is being done through twopartner NGOs - Rachna for Shahabad Block and Aryan Sansthafor the Kishanganj Block. The partners have recruited 39 staffmembers who are placed across the sub-sector and blocklevels and are working in close coordination with the AWCs,Accredited Social Health Activists (Ashas), Village HealthSanitation, and Nutrition Committee (VHSNC), women SelfHelp Groups (SHGs) and the local community members.42 43


AdvancingprimaryhealthPROGRAMMe inAUGURAted on jULy 6, 2012The start of the project was marked by a workshop on July6, 2012 attended by a large congregation of Anganwadiworkers, Asha Sahayoginis, Auxiliary Nurses Midwives(ANM), members of the Village Health Sanitation and Nutritioncommittees, members of the Village Panchayats and otherstakeholders such as Lady Supervisors of ICDS, ProjectOfficers of ICDS, Block and District level Health, ICDS and RuralDevelopment officials. About 650 participants attended theproject start workshop. In the workshop, representatives fromICICI Foundation explained every component of the projectin detail and participants from the district administrationappealed to all the village level service providers, supervisorsand managers to extend all possible help in making the projectsuccessful and helping in bringing down child under-nutritionlevels in the area.With a promising beginning of the project, we aim to fulfil theset objectives of the project of reducing child under-nutritionin the area and enabling the future citizens of the country togrow into healthy and productive citizens.1 National Sample Survey Organization 60th Round (2006), ‘Morbidity, Healthcare and the Condition of the Aged’. Report No. 507 (60/25.0/1), Ministry of Statistics and Programme Implementation, Government of India.2 As recognized by the Prime Minister at the first meeting of national council on India’s nutrition challenges held on November 24,2010.3 ICICI Foundation has signed a Memorandum of Understanding for implementation of the project in Baran District.4 Shahriya population calculated on the basis of 1991 census by adding the 10years growth rate. The population figures are of census 2001.44 45


Enablingfinancialinclusion46 47


enablingfinancialinclusionIn accordance with ICICI Group’s vision of combining a sustainablebusiness model with a social and human development agenda, the Grouphas undertaken several initiatives to meet the financial requirementsand service needs of the rural and the semi urban areas of the economy.These include offering credit linkages, creating dedicated structuresempowered to deliver services and financial inclusion through businesscorrespondents (BC).In March 2010, the Board of ICICI Bank approved a three-year financialinclusion plan that envisaged the opening of no-frill savings accountsand the expansion of the Bank’s rural outreach work. This includes theprovision of credit to individuals of target population through variousproduct lines comprising of kisan credit cards, farm equipment loans andloans against gold ornaments.INCLUSIVE AND RURAL BANKINGIn fiscal 2012, ICICI Bank’s focus has been on building capacityand deploying adequate resources to ensure that prescribedtargets under the financial inclusion plan are achieved and theprogress during the current fiscal year has been satisfactory.ICICI Bank has also focused on opening accounts for routingbenefit payments under various government schemes andhas received the mandate for opening no-frills accounts forindividuals under these schemes in certain states. As of March31, 2012, we had identified 17 Business Correspondentshaving a network of 4,653 customer service points. In additionto servicing customers, these service points also provideadditional services such as remittances and opening of fixeddeposits/recurring deposits.Lending capabilities have also been built in over 1,000 of ourbranches for products targeted towards individual customersin rural and semi urban areas across different segments of theagri-value chain. The Bank has designed a bouquet of productscustomised to meet the specific requirements of customersincluding their working capital and investment requirements.The Bank has also increased the product offerings by way ofstrategic tie-ups with tractor manufacturers, associating withcertain corporates/cooperatives in the sugar and dairy sectorand financing self-help groups.Going forward, ICICI Bank will focus on leveraging its branchnetwork and the network of its Bank Correspondents asdedicated channels for customer service. It will also continuewith its endeavour of ensuring increased financial inclusion48 49


in the NewsA lot has happened at ICICI Foundation this past year. We partnered with CNBCTV18 to bring out the Inside India series; welcomed a new batch of leaders forthe ICICI Fellows programme and conducted several blood donation drives forICICI Bank employees. This section gives you details on these events.52 53


in the NewsI n s i d e I n d i aICICI Foundation brings to you theInside IndiaIdeas for Inclusive Growth SeriesIn our endeavour to encourage innovative inclusive growth, ICICI Foundationpartnered with CNBC-TV18 to present Inside India – Ideas for Inclusive Growth,a unique three-part initiative. This series focused on recognising the efforts takenby various groups in building an inclusive India and sharing the knowledge ofempowering people through innovative models.INSIDE INDIA- IDEAS FORINCLUSIVE GROWTH TV SERIESThe first phase was a four-episode TV seriesInside India – Ideas for Inclusive Growthwhich went on air on May 26, 2012 onCNBC TV 18. The series showcased issuesconcerning the four pillars of inclusivegrowth: elementary education, sustainablelivelihoods, primary health, and access tofinance.Inside India SummitThis was followed by the Inside IndiaSummit at Taj Palace Hotel, New Delhi onJune 21, 2012. Honourable Union Ministerof Corporate Affairs, Mr Veerappa Moily,presided over the Summit. Mr. Arun Maira,Member, Planning Commission of India alsoparticipated in the event.The Summit brought together experts andthought leaders from various fields, whofocussed on issues facing the four pillarsof inclusive growth, on one platform. TheSummit panellists included Ms. ParvinSinclair, Director, NCERT; Mr. JitenderKalra, CEO, Dr Reddy’s Foundation; Mr. DilipChenoy, CEO, National Skills DevelopmentCorporation; Ms. Neelam Chibber, Cofounder,Industree; Mr. Vijay Chadda,CEO, Bharti Foundation; Mr. Vijay Thadani,CEO, NIIT; Ms. Kiran Bhatty, Former RtECoordinator, National Commission forProtection of Child Rights; Ms. Indu Capoor,Founder & Director, Centre for HealthEducation, Training and Nutrition Awareness;Ms. Rohini Mukherjee Head of Policy &Advocacy, Naandi Foundation; Ms. RaniDesai of Biocon Foundation; Mr. AshokeChatterjee, The Jawaja Project; Mr. VineetRai CEO, Aavishkaar and Ms. Yamini Iyer,Accountability Initiative, Centre for PolicyResearch.Union CabinetMinister of CorporateAffairs VeerappaMoily with Mr ArunMaira, Member ofPlanning Commissionat the Inside IndiaSummit54 55


in the NewsI n s i d e I n d i aInclusive India AwardsThe series concluded with the InclusiveIndia Awards 2012 held on August 18, 2012at J.W. Marriott, Mumbai. The HonourableUnion Minister of Communications &Information Technology, Mr. Kapil Sibal,presided over the Awards ceremony.The Awards recognised and honouredindividuals and organisations committedto creating and implementing meaningful,sustainable and scalable change in thedevelopment sector with a focus on four keyareas - Elementary Education, SustainableLivelihoods, Primary Health and Access toFinance. The Awards were presented acrossthree categories:• Emerging NGO Award• Impact NGO Award• Corporate Foundation AwardICICI Foundation and CNBC TV 18 partneredwith Dasra, our Knowledge Partner, toidentify and short-list organisations withinthe sectors and categories.A total of 37 NGOs were short-listed forthe Jury Round held in Mumbai on July 6,2012. The Jury members included: Ms.Sudha Pillai, former member of PlanningCommission; Ms. Anu Aga of Thermax;Dr. Devi Shetty, Founder of NarayanaHrudayalaya; Mr. Kishore Chaukar of TataSons; Ms. Ramola Bharti Gupta of PWC andMr. Vineet Rai CEO, Aavishkaar.The Awards ceremony took place on August18, 2012 at the JWT Marriot Hotel inMumbai.2012 WinnersElementary EducationGoing to School- Emerging NGO AwardKatha- Impact NGO AwardBharti Foundation- CorporateFoundation AwardSustainable LivelihoodsLend-A-Hand India- Emerging NGOAwardBAIF Development ResearchFoundation- Impact NGO AwardDr Reddy’s Foundation- CorporateFoundation AwardPrimary HealthSociety for Nutrition, Education andHealth Action (SNEHA)- EmergingNGO AwardComprehensive Rural HealthcareProject (CRHP)- Impact NGO AwardWockhardt Foundation- CorporateFoundation AwardAccess to FinanceMeljhol- Emerging NGO AwardIndian Grameen Services-Impact NGO AwardLifetime Achievement AwardThe father of the White Revolutionand Amul Man, Dr. Verghese Kurienwas awarded the Inclusive IndiaLifetime Achievement Award forhis work. The award was acceptedby his daughter Ms. Nirmala Kurienas he was unwell at that time.Dr. Kurien sadly passed away onSeptember 9, 2012.Honouring Dr. KurienOne of the greatest proponents of the co-operativemovement in the world, Dr. Verghese Kurien, alsoknown as the ‘Father of the White Revolution’,started Amul, India’s first co-operative dairy farm inAnand, Gujarat in 1946. Under Dr. Kurien, Amul grewto become India’s premier producer of packageddairy foods and beverages.56 57


in the NewsI C I C I F e l l o w sICICI FellowsICICI Foundation believes that in each and every sector, India needs talented youngleaders. Based on this belief, ICICI Foundation launched ICICI Fellows, a pioneeringleadership programme that nurtures young telent to create a cadre of sociallyresponsible leaders for rural India.The ICICI Fellows leadership programmefocuses on developing Fellows’ leadershippotential through perspective buildingand experiential learning. ICICI Fellowswork on grassroots development projectswith NGOs, interspersed with residentiallearning modules on managementtraining and leadership development. Theentire experience is designed to expandthe Fellows’ knowledge, insight andcommitment to inclusive growth.Upon completion, the ICICI Fellows areequipped to take leadership positions acrossall sectors – private, government and civilsociety.The first two batches of ICICI Fellowsgraduated on June and November 2012respectively upon successful completion oftheir programme. We have welcomed ourthird batch of ICICI Fellows who are currentlybeginning their transformational journey.Presenting the ICICI Fellowsbatch of 2010-12After starting in 2010, the first batch ofICICI Fellows completed their fellowshipprogramme in June 2012. A convocationceremony was held at ICICI Bank Towers,Bandra Kurla Complex on June 20, 2012 andwas attended by the senior management ofICICI Group. Ms. Chanda Kochhar, ManagingDirector & CEO, ICICI Bank, gave out theconvocation certificates to the Fellows.After completing their two-year-long journeywith ICICI Foundation, these 15 bright faceshave happy memories, life long friendshipsand immense knowledge and insight aboutthe development sector.Ms Chanda Kochhar, MD & CEO of ICICI Bank presenting theICICI Fellow programme certificates“From lazy Sunday mornings; to hours spent onburning fuel.From warm showers; to cold taps.From parties; to Panchayati Raj.From advice; to advocacy.From evening with friends; to walks in corianderfields.From Christmas cakes; to cow dung cakes.From theory; to practice.From constructive criticism; to social audits.From responses to citizens; to responsibilitytowards villagers.From crying out loud; to bearing silently andwatching others do the same.From sympathising; to empathising.From following religiously; to leading hesitantly.From being agnostic; to surprising belief.From commands from bosses; to demands frombeneficiaries.From feeling singled out in a crowd; to finding afamily of Fellows.From a confused reality; to a crystalised vision.These two years, could not have been better.Thank you ICICI Fellows.”Nikita D’cruzOn her experiences as anICICI Fellows (2010-12) at theConvocation ceremonyThe ICICI Fellows batch of 2010-1258 59


in the NewsI C I C I F e l l o w sICICI Fellows 2012-13 batch at theirinduction trainingB l o o d D o n a t i o nICICI Bank employees help saveMore than2,800 livesvIn 2012, ICICI Bank employeeshelped save about 2800 lives bydisplaying enthusiastic participationin the three blood donation drivesheld during the year.ICICI Foundation, in partnership withMaharashtra State Blood TransfusionCouncil (SBTC), held the first camp atICICI Bank’s MIDC Seepz office on July25 and 26, 2012 with a total of 154employees donating blood over twodays. The second camp was held at ICICIBank’s Thane branch on August 7 and 8,2012 with 310 employees volunteering todonate blood. The third camp was held atICICI Bank’s Bandra Kurla Complex officeon October 3 and 4, 2012 where 418employees participated.ICICI Fellows 2012-13 beginsafter selecting from over 2,500applicationsSeeing the positive feedback receivedfrom employees, ICICI Foundation plans toconduct similar blood donation camps inour offices of the bank.Approximately 15,000 applicants registeredon the ICICI Fellows website for the thirdbatch of the programme. The Foundationreceived a total of 2,920 completedapplications from across India and of these,13 were selected.In September, 2012 the inductionprogramme was held at the ICICI LearningCentre in Khandala.Now the Fellows are working on their ruralNGO placements.62 63


financialsFunds FlowICICI Foundation received ` 261.1 million from the following sources as corpus during April 1, 2011 to March 31 ,2012:Source (April 1, 2011 to March 31, 2012)ICICI Bank Ltd.ICICI Home Finance LimitedICICI Venture Fund Management Co LtdOthersTotalDisbursements (April 1, 2011 to March 31, 2012)Grant Beneficiary(`. million)Amount239.711.97.42.1261.1(`. million)AmountSOURCES OF FUNDS:Trustees’ funds :Corpus fundTOTALAPPLICATION OF FUNDS:Fixed assetsGross blockLess: Accumulated depreciationNet blockCapital Work-in- ProgressBalance Sheet at March 31, 2012Schedule No. At March 31, 2012 At March 31, 2011123,979,0581,596,702177,272,934177,272,9342,382,3561,150,000Amount in (`)109,685,912109,685,9121,022,198589,560432,638Icici Foundation ProgrammeCSO PartnersThe Foundation for Research in Community HealthPublic Health Resource SocietyCentre for Women’s Development StudiesVikramshila Education Resource SocietyChild in Need InstituteDignity Foundation RefundDoor Step SchoolKasturba Gandhi TrustRoom to Read India TrustChhattisgarh Educational Resource CentreKalanjiam FoundationConcern India Foundation - Speak for SmileICICI Group CSRSevadham TrustBhavishya AllianceParagon Charitable TrustHealthy Lokshakti ProjectTotal18.30.721.36.13.37.3(2.2)0.43.06.51.30.81.02.81.01.33.075.9* The Foundation also incurred totalexpenses of `128.2 million during thisperiod and has a fund balance of `164.2million (inlcluding `146.15 million in FDRs)as of March 31, 2012.6667InvestmentCurrent assets, loans and advances:a) Cash and bank balancesb) Loans and advancesLess : Current liabilities and provisionsNet current assetsTOTALSignificant accounting policies and notes to accountsAs per our report of even dateFor KHANDELWAL JAIN & CO.Chartered AccountantsShivratan AgarwalPartnerMembership No. 104180Place : MumbaiDate : 13.04.2012345618,040,72610,944,14428,984,8701,397,241146,152,94927,587,629177,272,934101,181,5345,842,8494,307,25910,150,1082,078,3688,071,740109,685,912For and on behalf of the Governing CouncilMr. K. V. KamathChairmanMr. S. MukherjiPresident


financials2) Further contribution to corpus:ParticularsICICI & Group CompaniesICICI Bank Ltd.ICICI Prudential Life Insurance Co. LtdICICI Lombard General Insurance Co. Ltd.ICICI Ventures Fund Management Company LimitedICICI Securities LimitedICICI Securities Primary Dealership Ltd.ICICI Home Finance Company Ltd.OthersIKP Knowledge ParkTotal3) Grants received:ParticularsICICI Bank Ltd.TotalCurrent Year(`)239,667,000NilNil7,390,000NilNil11,903,8462,099,012261,059,858Current Year(`)NilNilPrevious Year(`)61,000,000Nil10,794,5939,310,00012,268,420Nil3,598,521Nil96,971,534Previous Year(`)700,000700,0004) Interest received:• On balance in savings bank account ` 1,106,115 (Previous Year: ` 4,030,408)• On fixed deposits ` 10,601,810 (Previous Year: ` 2,035,290)B. Interest Income includes Nil (Previous year: ` 3,280,281) related to prior period.C. Capital Commitments. Estimated amount of contract for development of intranet base application and implementation remaining to beexecuted on capital account not provided for (net of advances) ` 1,150,000 [P.Y. ` Nil].D. Previous year’s figures have been regrouped wherever necessary.For KHANDELWAL JAIN & CO.Chartered AccountantsShivratan AgarwalPartnerMembership No. 104180Place: MumbaiDated: 13.04.2012For and on behalf of the Governing CouncilMr. K. V. KamathChairmanMr. S. MukherjiPresidentPublished byThe Communication TeamICICI Foundation for Inclusive GrowthDesignwww.designosis.inPhotographySreeya SenGirish Menon- p 56 to p 57; p 59 (top left)ICICI Foundation- p 32 to p 38; p 42; p 47;p 52 to p 53; p 55; p 5970


Head Office: ICICI Foundation for Inclusive Growth, ICICI Bank Towers, Bandra Kurla Complex, Mumbai 400 051, IndiaRegistered Office: ICICI Foundation for Inclusive Growth, 1 Cenotaph Road, Teynampet, Chennai 600 018, IndiaEmail: info@icicifoundation.orgWebsite: www.icicifoundation.orgFollow us on:www.twitter.com/icicifoundation http://www.facebook.com/icicifoundation.inclusivegrowthICICI Foundation for Inclusive Growth is an environmentally conscious organisation.The paper for this Annual Report has been printed on Forest Stewardship Council (FSC) accredited material.

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