Swadhaar eFinClass: A Sustainable Franchise model to scale Financial and Digital Literacy

The COVID-19 pandemic significantly reshaped Swadhaar’s approach, accelerating the adoption of digital platforms, tele-calling, and mobile-based engagement. In response, Swadhaar launched the eFinClass project in December 2020 to support partner NGOs in delivering financial education through structured training expertise and customized content.

Using a B2B model, Swadhaar works closely with NGO partners to train their trainers, provide tailored learning materials, and offer ongoing handholding during community-level implementation and product linkages. This blended “phygital” approach—combining digital and in-person training—has enabled flexible, scalable, and cost-effective delivery, leading to strong learning outcomes for both field workers and community participants.

Building on these learnings, Swadhaar aims to evolve a sustainable franchise model to scale financial and digital literacy. The initiative continues to focus on embedding financial education within partner programs, with the broader goal of strengthening financial resilience among underserved families, especially women.

To enhance impact, Swadhaar implements a Product Camp strategy that connects participants with formal financial service providers and supports them with product selection, KYC, and documentation. Additionally, WhatsApp is used as an ongoing engagement tool to reinforce learning and promote sustained financial inclusion.