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All-India Toll Free number1800 22 22 441800 208 2244 All-India Toll Free number for PMJDY Scheme1800 22 22 43
Dedicated Number for NRI+918025302510
Financial Inclusion
Union Adarsh Gram
Union Adarsh Gram (UAG)
 Village Adoption Scheme

The bank has adopted 210 villages across the country for the UAG endeavour. The officers of the VKCs in consultation with the Branch Manager and Regional Manager have identified a backward village near their command area and have prepared a credit cum development plan for the village for basic needs in Rural Infrastructure, Production, Investment and Consumption needs, besides Banking. They have also identified an urgent need that can be immediately addressed by liasoning with a government agency where the bank acts as a catalyst for expediting the fulfilling of the need and if needed then any gap in terms of required amount of fund for the projects would be bridged by the bank through its Corporate Social Responsibility Corpus and Rural Publicity corpus. Now all the rural branches have to identify one village as Union Adarsh Gram.The main activities

undertaken by the Bank under UAG are:

  • Adoption of girl child and sponsoring their study upto standard XII.
  • Providing toilet facilities in Government Girls' Schools.
  • To provide fans and water filter in school.
  • Solar lights for street lighting.

Under the scheme one of the prominent projects is 'Adoption of One Girl Child' per UAG. A girl child is adopted by the bank for bearing all the study related expenditure of her from standard VI till standard XII.

The remarkable performances in terms of developments at some of the UAGs can be read through the following case studies.

  • Nagepur UAG, R.O.- Varanasi
  • K.G.Palayam, R.O.- Coimbatore
  • Aushbali, R.O.- Durgapur
Case Study on Union Adarsh Gram-Nagepur, Branch-Rajatalab Region-Varanasi:-
Nagepur a small village situated in the Varanasi region in Uttar Pradesh like many other villages of Uttar Pradesh was ridden with numerous economic and social nuisances and was waiting for some ray of development to fall on the village to help it get out of the clutches of poverty, illiteracy, income in-equality and many other issues. In 2008, Union Bank of India took up the mandate to transform the village and put it on tracks of all-round development under its Pan India program for developing backward villages named as Union Adarsh Gram Yojna. From that day onwards till date the village had taken some giant leaps towards development which we analyze in this case study.
About the village:-
It is a small village in the Araji Block of the Varanasi region. The population size is a paltry 3000 people which can be broken down into 400 families out of which 55 families belong to minority section of the society while the rest falls in the backward class. Apart from few involved in agriculture as marginal and medium scale farmers, most of them i.e. close to 80% of families take care of themselves by working as laborers for making designs and doing local hand-work on Varanasi sarees. The village's education status is very fragile with only a dozen of male students going under formal education and girls' education is restricted to only acquaintance with alphabets just to make their marriage process a bit easier. The boys and girls are put into marriage early in their life with no scope given to them to grow and develop as independent individuals. Only three people out of 3000 are working in some government department while none of the women are independent as all are only involved in just household chores.
Development activities undertaken:-
  1. Banking Habit among Villagers -

    The banking habit in the village was almost non-existent and the villagers used to fall prey to the greedy hands of money lenders for all their financial needs. With continuous motivation and knowledge transfer from the branch people to the villagers about the merits of having bank accounts, now 380 families have No-Frills accounts with our bank branch with sizeable balances.

  2. Disbursing loans through Kisan/Green Credit Card -

    The cultivation of lands by farmers need proper quantity of inputs in terms of water and fertilizer for which they need financial assistance. For this they used to rely on the informal sector which charges abnormally high interest rate with no real gain to farmers after all their efforts spent on growing up the crop. The bank has already disbursed required amount of loans to these farmers through Green Credit Card as and when they need assistance while 31 farmers are to receive the card in a short time period.

  3. Loans to laborers for making them self-reliant -

    The laborers used to work for big traders on minuscule wages. Now, as the branch has given small loan packages to about 16 families with the help of which they operate small looms on their own and earn more than what they used to as bonded laborers.

  4. Loan to small stores under DRI Scheme of the Government -

    Under the government scheme branch has disbursed small loan amounts to 5 very poor people for opening and running stores like tea-shop, bi-cycle repair by the help of which they are now able to take care of the basic needs of their family.

  5. Loans to make women self dependent -

    To empower women of the village the branch has formed a group known as Mira Self Help Group through which in the first phase women�s were encouraged to lend among themselves to help them learn about lending activities and as a next step they are given financial assistance by the bank to operate small shops as vegetable vendors and cattle breeders to earn and supplement their family income. Based on the success of this now a number of self help groups are being formed to help women come at par with men and be self reliant.

  6. Farmers' Club and Knowledge Dissemination-

    The bank has also formed a Farmers' Club through which the village farmers are updated about the new practices and development in farming methods and techniques to increase their productivity. The branch officials often visit the villages to provide information about various government schemes and available employment and entrepreneurial opportunities.

  7. Promotion of local culture and festivals-

    The branch annually organizes and funds local programs and festivals like Women's Kajali Festival in which about 20 nearby villages also took part and all the participating teams were given prizes.

  8. Water Cooler for school children and other villagers-

    The branch has provided a water cooler to provide safe and cold drinking water for all the school going kids and a large number of villagers.

  9. Bank Employees' contributions for a social cause-

    The bank employees of our bank contribute personally for funding a number of community marriages which take place annually at the village.


The branch and the village Panchayat had taken a mandate that all these reform works which have taken place till date is just a small beginning and would act as inspiring steps that is needed to keep up the tempo of development work in the future to make the village as a model for all other 101 Union Adarsh Gram. The future plans which will be given shape are in the lines of constructing roads for easy accessibility, solar lighting for continuous supply of electricity, continuous supply of potable water, community toilets for better hygiene, a permanent shed for Village Panchayat Meetings, all the villagers having reasonable income and lifestyle and education for all.

The Village people were so touched by the development work carried out by Union Bank of India that they had put up a welcome board at the entry of the village which reads 'Union Adarsh Gram- Nagepur, Welcomes You'.

Case Study on the developmental activities undertaken at Union Adarsh Gram, K.G.Palayam:-
Koundegoundanpalayam (K.G.Palayam) was one among the lakhs of villages in India which was suffering from many ailments like poverty, illiteracy, unhealthy living conditions and the related social problems till it was taken up by Union Bank of India as one of it's adopted villages under the Union Adarsh Gram Scheme. About the village: - A small village situated in the Coimbatore region, of our bank has a population of about 2770 as per 2001 census. The main activity and source of livelihood for the village is agriculture. Apart form the other conventional crops which are grown here Coconut produced here is the best of quality and the yield of the same is also high in the area.
Development Activities Undertaken:-
  1. Formation of Farmer's Club

    this is the first activity which the bank undertook as the stepping stone for carrying out all other activities. This association was made with a dual purpose of roping in villagers in each of the development work carried out and to closely analyze what are the areas that needs immediate action. In a month two meetings are conducted which discusses the various problems at hand and takes it up with appropriate authorities. The Farmer's Club services are utilized for development work in nearby.

  2. 100% Banking Habitat Village-

    The entire village is financially included with all the families having bank accounts and regularly saving part of their income as and when possible. Bank is getting good accounts and also large numbers of farmers are now able to avail loan for farming practices.

  3. Knowledge and Training Camps-


    1. Farmer club is provided with daily sheet calendar and telephone directory of important government departments and other service outlets.
    2. A conference was conducted on natural fertilizer and manure and their importance in agriculture productivity.
    3. A seminar was conducted in co-ordination with agriculture university and horticulture department attended by NABARD officials whereby an information souvenir was also released for the benefit of local farmers.
    4. Representatives are send to NABARD sponsored camps for getting latest training on new agriculture developments and practices.
    5. A free cattle camp was organized with co-operation from Negamam Veterinary Hospital.
    6. A seminar was conducted to cultivate Coco as an inter crop with Coconut to help farmers generate additional income. In this seminar representative from Cadbury India Ltd. distributed free Coco samplings and fertilizers.


  4. Infrastructure Development-


    1. The roads of the villages are repaired and made easily accessible in co-ordination with government departments.
    2. To recharge the underground water level rain water harvesting and preserving ponds are constructed in the farmer's land,and government subsidy is also made available.


  5. Health Awareness-

    Blood donation and free eye camps are conducted annually with help of nearby hospitals.

  6. Education-

    For the past two years on Children's Day meritorious students are honoured with prizes and certificates. An old students association is also formed at the school.

  7. Major Achievement-

    Our Bank and the Farmers' Club won the state level prize from NABARD for the Best Sponsor Bank and the Best Farmers' Club.

Case Study on the developmental activities undertaken at Union Adarsh Gram, Aushbali:-
Aushbali is one among thousands of villages in West Bengal which are ridden with poverty, illiteracy, unhealthy living conditions and the related social problems and is still in the midst of all these nuisances till it was taken up by Union Bank of India as one of its adopted villages under the Union Adarsh Gram Scheme which has given this village a ray of hope and has put it in the path of development.
About the village:-
A small village situated in the Hooghly district has a population of about 1995 odd people most of which are involved as agriculture labourers or work in nearby urban areas as workers in jewellery manufacturing units. More than 40% of the population falls under BPL category. The literacy rate is on average about 63.86% while other parameters like Infant mortality rate is under control and Average Life Expectancy rate is about 70 years.
Development Activities Undertaken:-
    h. 100% Banking Habit Village-

    The entire village is financially included with all the families having bank accounts and regularly saving part of their income as and when possible. Bank is getting good accounts and also large numbers of farmers are now able to avail loan for farming practices. The no. of accounts with the bank is about 440 with deposits of about 84.58 lacs. Bank has opened No-Frill accounts and regular programs are being conducted to make people aware about new products of the bank and help them in planning their finance requirements.

    i. Health Awareness-

    A homeopathy clinic has been started at Panchayat office as there is no health centre or sub-health centre inside the village.

    j. Training to farmers-

    With the help of Panchayat officials training camps has been organized for imparting knowledge to farmers about new developments in the field of agriculture.

    k. Implementation of Government Schemes-

    The bank has been successful to make available the Government schemes like PMRY, Indira Awas Yojna and NREGP to the villagers by liasoning with Block Development Officers for overall development of the village.

Assessment of requirement of funds to make available the following facilities:-


Need Assessment


Amount (in Rs.)


To combat diseases spread by mosquitoes due to lack of proper hygiene facilities

Community Toilets

(10 in no.)



The primary school is running inside a club premises with no proper desks, library, computer, etc

Construction of school Building and providing of basic facilities,

Scholarship to school children of bank’s customers



No primary health care centre present

Establishment of tube-wells for safe drinking water

(5 in no.)






I Anup Kumar Das, Son of Late Jiban Krishna Das, residing at Vill.- Paschim Nandabhanga, P.O.- Bakhrahat, P.S.- Bishnupur, Dist.- South 24-Parganas, West Bengal
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