Services Offer

Micro Finance

CDOT started working in the field of micro-finance activity in 2007.

CDOT always believed that MF is one of the support which really help the poor house hold to build the business and make sustainable and respectable living. We believe that to deliver credit to poor household it is very important to become meaningful for the community. We believe in sustainable work rather hard core commercial approach. We are a social micro finance institution. We work in three district of Bihar.

The operational areas – Nalanda, Nawada and fringe areas of Patna. No. of Branches – Eight

Total of No. of Staff involved – 56

Support Received From Financial Institutions:-

  • Ananya Finance For Inclusive Growth Pvt Ltd
  • Axis Bank
  • Central Bank of India
  • Dia Vikas Capital Pvt. Ltd.
  • Indian Bank
  • Indian Grameen Services
  • Indian Overseas Bank
  • Rang De
  • RGVN
  • State Bank of India
  • Trust Microfin Network (TMN)
  • Water for People

Financial Inclusion

Financial Inclusion is one of the most ambitious and important programe launched in India. Banking facilities is one of the core for the development of any nation. In India the percentage of personsusing banking facilities is very low. More than 50% of population do not have bank accounts.

Govt. of India has launched Program SWABHIMANin Feb 2011 to bring basic banking services to 73,000 unbanked villages. Now named Jan Dhan Yojna announced on 15thAugust 2014.

Being a financial service provider CDOT feel that it is very important to enroll people for banking facilities and let them avail the facilities of financial services at doorstep.

CDOT has partnership with CSC e-Governance Services India Limited (Ministry of Communication & Information Technology, Govt. Of India), Atyati-Genpact, HCL,TCS and nationalized banks as field support partner. We select Business Correspondence(BC) in the villages and train them to handle the banking activities.

The Banks are:

  • Punjab National Bank
  • Allahabad Bank
  • United Bank of India
  • UCO Bank
  • Bank of India
  • Bank of Baroda
  • Indusind Bank
  • Some Rural bank

CDOT is working in 8 states for different banks in 3000 villages across the country. With this programme we have been able to deliver remittances, payments for MNREGA, old age pension and other Govt. support getting transacted through the BC. The services getting improved day by day and now the no. of monthly transactions are over 7.5 Lakhs per month. We have opened 1.8 million bank accounts so far. Click Here to view Progress Report

Community Health Facilitator

Out of its commitment towards society, CDOT identified that rural society of India has major health concerns which is a combination of cost, quality, accessibility and people’s behaviour towards health. In this purview, CDOT created an ecosystem of community health through its 600 CHFs (Community Health Facilitator) in eight districts of Bihar and Jharkhand, i.e Patna, Bhojpur, Nalanda, Nawda, Gaya in Bihar and Hazaribagh, Bokaro and Dhanbad in Jharkhand, with the support of IPE Global, USAID and Opportunity International, Australia. All these CHFs are women chosen from villages and cater to the people of their own village and have been provided training on different health issues related to Menstrual Health and Hygiene, Reproductive Health and Family Planning, and other preventive health-related issues to improve the knowledge of the community through regular home visits. To make the health system accessible, all CHFs provide a doorstep treatment facility through our Teleconsultation service at zero cost. During the Teleconsultation sessions, if a Doctor finds some patients who need to be physically examined or admitted to a hospital, they are referred to empanelled hospitals in the vicinity. The CHF Program also takes into consideration the importance of social security and our CHFs motivate people to register themselves in different national social security schemes and facilitating them to connect with a health insurance.

To make the program and effort sustainable, we emphasize on making our CHFs entrepreneurs. They earn commission against health insurance and by selling products like sanitary pads and other health related products.

We reached out to 1.2 lakhs households through the CHF health program. The vision is to build a culture of health through the establishment of a sustainable community support system.

Water and Sanitation

The need of the hour is for Improved water and sanitation facilities. In BIHAR abundance of water is one of the problems as water table is quite high and most of the people in villages use contaminated water. Water borne diseases are one of the most common disease in rural Bihar.

CDOT started its first RO water unit at Noorsarai at village Jolahpura to provide safe drinking water at very affordable price. Initially we asked the villagers to come to the centre and collect water at 50 paisa per litre but they preferred to get the supply at their doorstep. So we started supplying water to the doorstep and now it is becoming very popular as people are buying water. The disease percentage in those house holds has reduced significantly.

Still in Villages disease related to water borne constitute the maximum number of illness. CDOT started its water plant in NOORSARAI of NALANDA district in the year 2013. We set up the water plant with the purpose to provide safe drinking water to thousands of families at affordable rate.

We have 150-200 customers who are a permanent consumer of R.O water with added minerals and chilled during hot summer days with a very subsidized rate, CDOT supplies free R.O water in 8-10 primary schools surrounding the water plant, at lesser price to the widows and old age customers.

Livelihood Programs

Bihar is one of the state in India where 89% of population resides in villages. It is obvious that agriculture is one of the major source of employment and livelihood of majority of the population. CDOT major focus area is to provide support to small and marginal farmers and enhance the productivity of the crop. It will increase the food security of poor farmers. CDOT work in three main areas of agriculture.

  • Enhancing the productivity of the crop through modern farming practices.
  • Recycling the manures to the field
  • Reducing the dependency on cow dungs and promoting bio-gas.
  • Reducing the use of chemical fertilizers
  • Organizing Farmers into Kissan Club and formation of
  • Producer’s company
  • Creating sustainable livelihood though agriculture
  • Our work so far:-

  • 18 Kisan Clubs have been formed. Involving 300 farmers
  • 300 bigha is utilized bio fertilizer.
  • 45 vermi-beds have been implanted.
  • 400 farmers received training on SRI methodology.
  • 45 farmers received training on SWI methodology.
  • 300 farmers received subsidy on SRI cultivation in the form of seeds, pesticides and fertilizers.
  • All the 30 farmers received wheat seeds for SWI cultivation.
  • 6000 plants have been planted in Noorsarai, Chandi and Nagarnausa blocks of Nalanda district.
  • 3 Female farmers club formed
  • 50 SHG formed for promotion of vegetable crops in Pupri, Sitamarhi.
  • Plantation of Banboo in Sitamarhi

Micro Insurance

Insurance is one of the integral part of micro finance activities. However CDOT looks into differently and we try to inform and aware the community about the risks and how insurance can protect from risk. CDOT is working on different risk mitigation through products like

  • Loan Insurance
  • Life Insurance
  • Cattle Insurance
  • Health insurance
  • Housing Insurance

CDOT has worked with many number of insurance agencies. We have 67,232 customers directly linked with our insurance scheme. The major problems in villages is servicing of insurance. Apart from health insurance where the process to claim is very cumbersome we have been able to deliver the products and service the Insurance to their door step.

Still in Bihar the insurance coverage is less than 22% which is very dismal. We are trying to work out on strategy where we can mobilize the community and aware them. Mostly people think Insurance as a burden, though it is very essential. Our continuous endeavor will help to deliver product and cover more number of uncovered mass under insurance

We have worked with Bajaj, Max Bupa, LIC, Kotak, DHFL etc.

Training & Skill Programs

Presently in INDIA over 5.2 million students are skilled and trained, have gained recognition of prior vocational and day to day learning with the components of skill training. Training and skill development in simple words define the capacity building of marginalized and special groups, development in the field of livelihood, self employment and entrepreneurship programme.

CDOT departs training in major three types of programme:-

1. AGRI CLINIC and AGRI BUSINESS CENTRE (ACABC) by MANAGE. From the year 2014 we started the manage agriculture skill programme with 380 youths from both the two centres CHHAPRA and BIHARSHARIF have been taken training and are full fledged settled with stable business by providing job to few other employees who are breadwinners for their families.

2. DEEN DAYAL UPADHAYAY GRAMIN KAUSHAL YOJANA (DDU-GKY) This is a placement linked programme started in the year 2014 with the collaboration of JEEVIKA as project implementing and funding partner, we have trained more than 500 students in three different domain such as BPO voice, unarmed security guard and retail sales associates, in three districts of BIHAR i.e. BETTIAH, SITAMARHI and DARBHANGA with corporate placement tie ups with BIG BAZAAR, BAZAAR INDIA, WFIYA security services, RELIABLE FIRST etc.

3. BIHAR SKILL DEVELOPEMENT MISSION (BSDM) BSDM skill training has been started in 2016 with 10 centres from NALANDA to PATNA, SHEOHAR, the courses running are basic computer, English and personality development, demanding tool for the upcoming job sustainability. We have trained 1548 candidates till date.

Renewable Energy

Over a billion people in India, even today, lack access to electricity.

Clean and Green energy is one of the need of hour. Despite having abundance of sunlight the dependency of conventional energy is very high. In villages still light is one of the requirement and it creates lot of changes in family related to women and child. Often there is no light at the time of study resulting into poor performance. And the light from kerosene or other things is very harmful.

But the problem in villages is affordability. Despite the fact the women are ready to use clean energy sources but their capability to buy the product is very difficult. So we started the solar loan and we got support from some financial institutions as well for the promotion of solar light in villages.

It is very popular also as technology matured and different type of products came to market suited the need of villagers.

Since the year 2012 covering 800 families with solar lamp loan facilities, with DIYA VIKASH as technical partner and MILAP as funder with a company named D-LITE since 2013 with TERI, O’NERGY and SUN KING till today.

Hyper Local Market

We have launched Hyper local marketing tools to reach the last mile people. With access of technology and demand in the filed it becomes very important to include the last mile people. We have entered into agreement with Amazon to provide all the goods and products to the last mile through our BC network. It is called Amazon stores where villagers order the product through Business Correspondence centers. BCAs help the customer to select the right kind of product and also order through their mobiles.