Busy Backyards, microfinance, entrepreneur, women empowerment, well-being, enterprise, business, determination, economy, startup, achievement, atmanirbhar bharat, handloom

As part of VFS's Customer Connect, our executives had reached out to our customers enquiring about their well-being and the health of their enterprises during the lockdown. While we anticipated distress calls, all we could find were stories of wit, grit and above all, might.
When Hira Mazumder lost her husband, her bright days were suddenly turned into a shadow of gloom. Overnight the happy family of four turned into a grieving family of three. While the bereaved son tried to take care of his mother and sister, he prepared to join the Air Force. Soon, with much strength and courage, the family managed to force their way out of financial challenges when he got selected to serve the country and fly high. Hira's daughter soon followed her brother's footsteps to serve the nation and joined as a school teacher.
Things were finally looking up for the family. But for Hira, there was a sense of lack. Now, that both the children had flown away from their nest, forging their way ahead, Hira was left all alone back in her little village of Deuripara.
From one phone call to another, Hira's life happened in between those few moments of contact with her children. She recalled her days before marriage when her hands spun and stitched colourful "gamchhas" or cotton towels and sold them to locals or even at times to tourists.
Her yearning to go back to the old days made her chance upon the idea of starting her own handloom business. However, small it might have been, it was born out of talent, a desire to do something, and sheer determination. There was an idea, but there was no plan. Hira's years of cloistered life had kept her uninformed about the changing economy sphere of the country. Fortunately, her niece Mannu was visiting her and Hira confided her entrepreneurial dreams.
A graduate student, Mannu was well aware of startups and she showed her the ways to secure a starting capital. In a few days, Hira was part of the local JLG group, under VFS's Bongaigaon branch. With the fund, Hira bought in materials from the city and installed looms in her backyards. Her business was up and running. Hira finally felt a sense of self-sufficiency, the joy of achievement. She didn't have to rely on the money sent by her children. She was earning her own.
Just when everything looked up and sunny, the gloom of lockdown cast a shadow on the entire country. Economies around the world came to a standstill. There was a paradigm shift in people's behaviour and way of living. The cost of Pandemic was paid in lives and livelihoods. While medics and health workers battled the disease, small businesses struggled to stay afloat. The call of "Vocal for local" came like a fuel for the stagnant economy. Local businesses were again renewed with the goal of "Atmanirbhar Bharat".
Hira's small enterprise, though initially affected, learnt to thrive with expansion in production. Apart from gamchhas, her backyard now produced bed sheets. Customers from nearby villages started flocking to her. Hira realised that hurdles and challenges teach us to evolve and grow big.
VFS Customer Awareness Training sessions had already made Hira realise the need for financial knowledge in day to day conduct of operations. With all the lessons and Mannu’s assistance, Hira plans to move ahead and expand her range of handloom products, as she looks forward to employing young women from her village and buy more looms.
The busy backyard of Hira tells a story that it’s never late to find your calling; it’s always the right time to start that business that you planned for ages, to re-imagine things, and gain new perspectives.

Motherhood and Entrepreneurship, motherhood, entrepreneurship, talent, passion, perseverance, extraordinary, women, remarkable women, economic, dedication, customers, atmanirbhar, atmanirbhar bharat, loan, financial, financially independent, dreams, enterprise, prosperity, handholding, financial assistance


What can a blend of talent, passion and perseverance achieve? Anything, absolutely anything. Yes, even winning the Australian Open while being 23 weeks pregnant. Serena Williams was expecting her first child when she accomplished this extraordinary feat in 2017. Our Rani of Jhansi fought the first War of Independence while carrying her infant son on her back.

You might be wondering what makes me cite these remarkable women. They came to mind when I heard about one of our women entrepreneurs. For a few months, I have been writing about ordinary women with extraordinary achievements. They have battled societal prejudices, economic hardships, and the paralysis of the lockdown. For me, they have been lessons in endurance, dedication and perseverance, and Indu is all of them and much more.

Indu Rani was one of our new customers in Uttar Pradesh. Motivated by the call for an Atmanirbhar Bharat, Indu decided to give shape to her dreams of entrepreneurship. Indu was pregnant when she took the decision, sparked by dreams of a good future for her yet-to-be-born child.

A skilled beautician eager to prove her merit, Indu applied for a loan from VFS’s office in Muzaffarabad. With the loan, Indu set up a beauty parlour in her house.

Today, from being a housewife (her husband owns a dairy products shop), Indu is the most sought-after bridal makeup artist in her village of Tivra. Boasting of her beauty parlour’s services, Indu spoke about how she dreamt of being financially independent while completing her studies. Armed with a graduate degree, Indu completed an esthetician’s course and gained a few loyal customers. But she had to put her dreams on hold to get married.

New at her in-laws' house, Indu spun dreams of entrepreneurship. Every morning, when she saw off her husband and father-in-law as they left for work, the flame of entrepreneurship flickered in her. It grew stronger even when she became pregnant. Finally, she approached VFS for a loan.

Now, with a flourishing enterprise, Indu nurtures a vision of prosperity. She will raise her child in a happy, safe and financially secure environment.

Even on a busy day at the parlour, with brides getting decked up and leaving as happy customers, Indu manages to take a call from VFS and share her happiness with us.

Like Indu, many mothers are breaking stereotypes and forging a future for their children and themselves. They break down their dreams into implementable ideas. All that they need is a bit of handholding and financial assistance. I am happy that the VFS team keeps locating such entrepreneurial minds and nurtures them.


Stop not till the goal is reached..., goal, vfs, success, village financial services, pandemic, financial, women, customers, financial inclusion, business, cosmetics, business acumen, entrepreneur, loan, opportunities, employees, financial support, empower women, talent, atmanirbhar, atmanirbhar bharat


For a few months now, VFS’s office has been bubbling with success stories.

The COVID-19 pandemic and some natural disasters had set us back on our road towards financial inclusion. Ever since the government eased and finally lifted the lockdown, our executives have been reaching out to our customers. The primary concern was for the health and well-being of the customers and their families. Our customers’ financial well-being has always been important to us, but “health is wealth” was the order of the day.

The determination and perseverance of our customers soon dispelled the atmosphere of anxiety. None of us could imagine the strength of our women customers’ willpower. We are regularly reminded of the great spiritual master Swami Vivekananda’s lesson: “Arise, awake, and stop not till the goal is reached.”

On one such call, we learnt how our customer Sonika Rani, from Haryana, used her business acumen and experience to paint prosperity on scenes of gloom. Sonika was one of our first customers in Haryana.

Last year, on February 9, Sonika started selling cosmetics. Perceiving the demand for cosmetic products in her village, Sonika became an entrepreneur, setting up a shop with the loan support of VFS.

This budding entrepreneur was about to taste her first profits when the government locked down the country, making public health the priority. While most of us waited patiently or cribbed about being ordered to stay indoors, Sonika worked on an expansion plan.

As the lockdown was relaxed in phases, Sonika began implementing her plan. School children buy stationary from shops near their schools, but the schools were shut, and public transport was limited. Many women in her village had ventured into sewing to make some extra money, and they needed needles, thread and cloth.

Capitalising on the opportunity, Sonika made space on her counters of makeup and skincare products for rows of pens, pencils, notebooks, reels of colourful threads and needles.

Sonika has been going strong since then. A graduate and mother of two, Sonika is determined to build a bright future for her children. Her daughter, who is in Class 8, and her son (Class 7) have resumed classes.

Sonika’s business is now entering its second year and she plans to add more products and employees, with additional financial support from VFS.

VFS had opened its first branch in Haryana last year, with its mission to empower women who dream of being entrepreneurs. Since then, we have realised the depth of talent in this northern state, famed for its celebrated sports personalities.

The presence of a culturally diversified customer base has been a continuous process of learning and experience. Every state, with its rich heritage, has strengthened our motto of serving our future leaders. We realised that however diverse our language or our culture maybe, at the end we are united in our mission towards “Atmanirbhar Bharat”.

Every individual working under the banner of VFS loves to hear the words Theek chal raha hai from our women customers. When we asked Sonika about her life and her work, she said just these words. Women like Sonika give us hope that no matter what, their fighting spirit wins.

Powered by Blogger.

Blog Archive