- The Pan-India Financial Literacy programme aims to promote Financial Inclusion across villages and underbanked locations in India’s hinterland
- The programme in Assam will highlight the importance of financial discipline, create awareness about financial fraud and inform citizens about good practices in money management
Guwahati, Assam, July 28, 2025: Bajaj Finance Ltd., India’s largest Non Banking Financial Company (NBFC) in the private sector, and part of Bajaj Finserv, today organized its Financial Literacy programme, titled ‘Arthsutra Samvad’ in Guwahati, Assam. The pan-India programme aims to further financial inclusion across villages and underbanked locations in India’s hinterland.
‘Arth Sutra Samvad’, is being implemented under RBI’s initiative for augmenting financial literacy and awareness. It aims to create awareness about financial discipline, online frauds and good practices in money management.
Dignitaries including Biswadeep Bhattacharjee, Master Resource Person, National Institute of Panchayat and Rural Development under Minister of Panchayati Raj, Government of Assam, Dr Agnirup Sarkar, Assistant Professor, Economics, IIT Guwahati, and Shri. Krishnadwaipayan Nath, Deputy Superintendent of Police – OC Cyber PS CID, Assam, graced the event.
el across India’s hinterlands. At its core, the initiative aims to simplify personal finance for individuals, helping them make informed choices with confidence and clarity.
Through workshops, interactive sessions, and community dialogues, the program will cover essential topics such as the importance of savings and how to build financial buffers for emergencies, understanding the nuances of responsible borrowing to avoid debt traps, and recognizing and avoiding common scams—including those that occur online or in person.
In addition, participants will be guided on cultivating financial discipline, and developing the resilience needed to navigate life’s monetary ups and downs. By merging practical knowledge with real-life scenarios, Arth Sutra Samvad hopes to spark a long-term shift toward financially conscious behavior and a future-ready citizenry.
Following the event in Guwahati, on-ground awareness sessions will be carried out across villages in Assam.
Addressing the media, Shri. Biswadeep Bhattacharjee, Master Resource Person, National Institute of Panchayat and Rural Department, Ministry of Panchayati Raj & Former Consultant Course Director PMRY Training Department, DICC, Government of Assam, said, “We want people living in villages and panchayat areas to feel confident using financial services. This campaign helps them understand how to open bank accounts, use ATM cards, benefit from government schemes, and engage only with trusted, registered organizations that follow government regulations. It also highlights how self-help groups in villages can access banking services, how farmers can benefit from government schemes during the harvesting season, and how ordinary people can start their own businesses with support from financial institutions. As income levels in villages continue to grow, availing banking services can help create wealth and secure their financial future. Several government schemes are designed specifically for women, children, and elderly citizens—and financial literacy at the grassroots level can ensure that everyone receives the right guidance to fully benefit from these opportunities. This is not just important—it is essential.”
As part of the campaign’s multi-faceted approach, Arth Sutra Samvad also places a strong emphasis on financial fraud awareness. Speaking on this, Dr. Agnirup Sarkar, Assistant Professor, Economics, IIT Guwahati, said, “This has indeed been a very noble initiative by Bajaj Finance. Spreading financial literacy is especially important in a country like ours, where a substantial portion of the population lives below the poverty line and remains financially excluded. It is now extremely important to educate people at the grassroots level about how to engage with the financial system. Awareness must be created around the proper ways to channel savings, apply for loans and insurance, and stay protected against financial fraud. In fact, every section of society needs to understand the finer nuances of cybercrime and cybersecurity. We can be hopeful that the campaign initiated by Bajaj Finance will go a long way in achieving these goals.”
Underscoring the critical role of financial awareness, Shri. Krishnadwaipayan Nath, Deputy Superintendent of Police – OC Cyber PS CID, Assam, said, “Financial safety begins with everyday awareness. Most frauds don’t occur because technology is inherently dangerous, but because we aren’t fully familiar with how to use it wisely. Whether you’re managing bank accounts or making payments through mobile apps, understanding the basics and verifying information before acting is essential. Always use official platforms, avoid clicking on unfamiliar links, and seek help from authorized sources. Enabling two-factor authentication (2FA) or regularly updating passwords are some of the good practices everyone needs to follow.
Scammers don’t break in—they trick their way in. e.g., phishing emails or fake customer service calls. Many financial frauds stem from two key factors: low awareness of our own devices and the temptation of quick money. Fraudsters exploit this vulnerability through shady APK files, fake investment offers, WhatsApp hacking, and impersonation scams. They feed on ignorance and haste. Empowering ourselves with information is the strongest protection. Be informed, be cautious, and help build a financially secure community.”The programme will be further amplified through cultural events in Assam and will include interactive workshops, expert talks, and community engagement activities, designed to simplify finance and encourage lifelong financial learning.
Bajaj Finance serves 10.65 crore customers across India, through 4,192 locations across the country, its App and Web. It offers a wide range of loans, deposits, payments, insurance and investment solutions that have the potential to enhance financial well-being and make people’s lives better.
Bajaj Finance is committed to serving unbanked segments of the population through financial inclusion and by leveraging advanced technology.
As of FY2025, Bajaj Finance brought over 26 million new-to-credit customers into the formal financial system, enabling many of them to buy their first home, their first two-wheeler, fund an emergency and improve their lives. The company has over 7.5 crore active users on its Bajaj Finserv App and gets a traffic of around 60.3 crore on its website.
Bajaj Pay, Bajaj Finance’s payments solution, has also been instrumental in fostering financial inclusion by driving the adoption of UPI payments and advancing digital payments infrastructure.
Over 32 million customers have a wallet account with Bajaj Finance and more than 44.88 million have a UPI handle.
As part of the 100-year-old Bajaj Group, Bajaj Finance is committed to serving society. A Bajaj Finance spokesperson said, “We believe the business of financial services has a larger purpose – that of inclusion of the underserved and unbanked population into the nation’s financial mainstream. As part of our efforts to further financial inclusion, we are now launching a pan-India financial inclusion programme, aimed at bringing as many people as possible into India’s formal financial stream.”
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