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3. Annual Report
April 2013 - March 2014
DeshBandhu and Manju Gupta Foundation,
Dhule
Enriching Rural Lives
Sustainably…
4. content 1st follows abbreviations. color separation needed
Abbreviations
AH Animal Husbandry
AI Artificial Insemination
BCs Business Correspondents
CBOs Community Based Organisations
CCTs Continuous Contour Trenches
CSR Corporate Social Responsibility
DBMGF Desh Bandhu Manju Gupta Foundation
EAP Enterprise Awareness Programmes
EDP Entrepreneurship Development Programme
ICDS Integrated Child Development Scheme
ICPT Integrated Cotton Production Technology
IGWDP Indo German Watershed Development
Programme
IMR Infant Mortality Rate
IWMP Integrated Watershed Management
Programme
JLGs Joint Liability Groups
LGVP Lupin Gram Vikas Panchayat
LHWRF Lupin Human Welfare and Research
Foundation
MLI Micro Lift irrigation
MMDU Mobile Medical Diagnostic Unit
MMR Maternal Mortality Rate
MSGD Mata Shri Gomati Devi Jan SevaNidhi
NABARD National Bank for Agriculture & Rural
Development
NI Natural Insemination
NRM Natural Resource Management
PHC Primary Health Centre
POS Point Of Sale (machine)
RMK Rashtriya Mahila Kosh
SBBJ State Bank of Bikaner and Jaipur
SGSY Swarn Jayanti Gramin Swarojgar Yojana
SHGs Self Help Groups
SIDBI Small Industries Development Bank of
India
SRI System of Rice Intensification
TDF Tribal Development Fund
UNDP United Nations Development Programme
UPNRM Umbrella Programme for Natural Resource
Management
USP Unique Selling Point
WATs Water Absorption Trenches
WATSAN Water and Sanitation Programme
WSHGs Women Self Help Groups
5. 1
Content
Abbreviations.............................................................. 5
Section I - About Lupin Human Welfare
and Research Foundation (LHWRF) .......................... 5
From the desk of Executive Director...........................6
Board of Trustees....................................................... 7
Outreach..................................................................... 8
Two Pronged outreach strategy.................................. 8
Strategies.................................................................... 9
Section II – Activities in the current year.................... 11
Overview of activities................................................. 12
Economic Development..............................................13
Agricultural Development........................................... 14
Animal Husbandry (AH)...............................................16
Rural Industries Promotion and Skill Building.............18
Financial Inclusion–an innovative partnership............21
Social Development.................................................... 22
Women Empowerment.............................................. 23
SHG strengthening model of Bhopal........................... 24
Community Health Management................................ 26
Vision centre of Alwar................................................. 27
Education................................................................... 28
Infra-structure Development...................................... 29
Natural Resource Management (NRM)...................... 30
Alternate Energy development
programme in Sindhudurg................................................ 31
Post Disaster Response in Uttarakhand .......................... 32
Development Programmes
under Implementation ..................................................... 33
Training.......................................................................... 34
Overall outcomes............................................................. 35
Challenges ahead and Future Plans............................... 38
Partnerships and collaborations....................................... 40
6. 2
Lupin Limited is an innovation led transnational
pharmaceutical company, with a wide global footprint.
Lupin embodies vision of its founder Chairman Dr.
Desh Bandhu Gupta to fight life-threatening diseases
by manufacturing drugs of the highest social priority
and quality medicines at affordable prices. It
personifies the deep inter-connect between what
Lupin does and what society needs. Happiness is the
critical bottom-line of all that ever been done at Lupin
and will remain so.
Can a business organization transform distant
villages that have for decades remained in poverty,
isolation and ignorance, into vibrant activity centres of
progress and development? This was the question Dr.
Desh Bandhu Gupta asked himself. It was a
challenge he felt compelled to take on. For, of what
use were technology development and professional
management skills if they couldn't be used to touch
human lives, restore a villager's lost confidence,
rejuvenate, energise and transform potential into
productivity?
These thoughts led to the establishment of the Lupin
Human Welfare & Research Foundation (LHWRF) on
October 2, 1988, Mahatma Gandhi's birth anniversary
as a humble tribute to him. The Foundation is an
independent entity promoted by Lupin Limited,
implementing CSR activities all over India.
Lupin Foundation began a quest for transforming the
rural landscapes by reaching out to millions through
holistic rural development initiative with an
indomitable passion for bringing smiles on the faces
of poorest of the poor living in the most deprived,
desolate and inconspicuous villages of India. Lupin
Foundation aspires to provide an alternative model of
sustainable development, which can be replicated
widely through collaborations and partnerships.
About
Lupin Human Welfare and Research
Foundation (LHWRF)
7. This year the new law coming into force, making corporate social responsibility mandatory has changed the
development equations. It is expected to bring enormous resources for improving lives of the urban and rural
marginalised people with many more actors enters the sector. I believe that Corporate India had the fundamentals in
place to shape a better future for society and we must embrace this not as a responsibility but an obligation. It was with
this deep sense of obligation that LHWRF was set up with the objective of creating a replicable and ever-evolving
model for sustainable rural development with the simple goal of uplifting families living below the poverty line to ensure
inclusive growth.
LHWRF has come a long way over the years, having worked hard in creating, developing, nurturing and executing
programs in partnership with the rural communities they choose to work with. The foundation has collaborated with
numerous institutions, governments, individuals, visionaries and domain experts on numerous projects to ensure
growth and progress for the communities we served. We are thankful to each one of them for their insights and
contributions that have made LHWRF what it is today. The foundation today reaches out to more than 2.8 million
people, living in villages spread across 4 states in India.3463
It is heartening to note that our people remain committed and passionate about transforming the rural landscape of the
country; about changing the lives of the communities we exist in and work with, to enable a happier and more
meaningful tomorrow.
My best wishes to my spirited team at LHWRF on the road ahead.
Dr. Desh Bandhu Gupta
Founder Chairman,
Lupin Human Welfare and Research Foundation
Founder Chairman
photo
3
From the desk of
8. 2
Managing Director
From the desk of
Our commitment towards social cause and all inclusive development is manifested through the work undertaken by
Lupin Foundation for the development of rural communities.
At Lupin, we are inspired to look beyond our existing standards and seek excellence in every aspect incessantly and
the same drive is increasingly visible in the operation of Lupin Foundation. There is continuous effort to improvise
systems and processes to deliver our CSR goals more efficiently. Apart from our commitment and dedication, it is
important that we evolve not only standard practices but next practices and processes that keep us on the track and
enhance our performance constantly. By doing so, we can live up to the added responsibility of being prime mover in
the corporate social responsibility arena.
Every year our reach is growing in terms of area, people and thereby scale of our operations. We have now all the
structure and systems in place to initiate CSR activity by next year around all the factory locations across India. This will
develop new connect with people around our factories.
My wishes are with our implementing team for our march towards realising dream of Lupin group to transform the
rural landscapes to make India's growth story inclusive and sustainable
Nilesh Gupta
Managing Director,
Lupin Ltd.
9. Each year comes with new challenges, opportunities and learning. It is matter of pride to share our achievement of
the year through this annual report. The annual report throws light on the challenges we encountered and
opportunities we seized to act and learning we draw to deliver.
This year different centres of Lupin Foundation have done remarkably well by raising their performance
level. Our Uttarakhand Centre rose to the challenge posed by the huge natural disaster of floods caused by
cloudburst. It has done creditable relief and rehabilitation work under the most inhospitable conditions. Alwar
Centre has done a miraculous work through vision centres. Notably, our Bhopal centre has continued exemplary
work in building linkages of SHGs with the banks especially for women. In Dhule, our fast track district
development model is shaping well with an aim of eradicating poverty by 2018. The bio-gas construction work
done by Sindhudurg centre in Maharashtra is emerging as a model of alternate energy generation for rural India.
Buchakewadi, a village of Pune centre is emerging to show case “ what villages of this country can become in
future through collective leadership”? Our Bharatpur centre is moving close to a rare feat of making whole
Bharatpur a poverty free district by 2016.
Though India had seen tremendous growth during last two and half decades but when it comes to human
development indicators we are still a laggard nation. Poverty eradication still remains a primary goal even after
rd
2/3 century since independence. This warrants greater initiatives from all stake holders including us to enable our
nation to come out of vicious cycle of poverty. The time has come that we should move from poverty line and
should focus on empowerment line. This requires higher production in fields and factories along with improved
delivery of our services especially to the marginalised sections of society.
Our achievements in the year were result of the hard work done by entire Lupin Foundation team. While
appreciating the effort, I would like to extend my best wishes to each team member for more contribution in the
next year.
Sita Ram Gupta
Executive Director, Lupin Human Welfare and
Research Foundation
Executive Director
From the desk of
3
10. By the end of this financial year, Lupin Foundation
has reached up to about Two million and Eight
Hundred Thousand people living in 3463 villages
located in 43 blocks of 15 districts spread across the
four states of India. The Foundation operates through
its 10 district wise centres.
Two Pronged outreach strategy
LHWRF has adopted two pronged strategy regarding
its operation. Firstly, it targets areas that have low
score on HDI. Accordingly LHWRF is working in the
districts of Alwar and Bharatpur in Rajasthan; Dhule,
Outreach
Nandurbar, Pune and Sindhudurg in Maharashtra;
Bhopal in Madhya Pradesh and Rishikesh in
Uttarakhand. Most of these feature in the list of
backward districts of the country.
Secondly, LHWRF has undertaken developmental
work in the areas adjacent to the manufacturing
plants of Lupin Ltd. As per this strategy, districts such
as Aurangabad in Maharashtra and Dhar in Madhya
Pradesh have been adopted by the Foundation.
However, in operations of both types of areas,
LHWRF adopts similar holistic development approach
of Lupin Foundation.
N
Lupin Human Welfare & Research Foundation - Outreach
Legend
Area of Operation
Covered Districts
Madhya Pradesh
Maharashtra
Rajasthan
Uttarakhand
Dhar
Alwar
Aurangabad
Bharatpur
Dhaulpur
Dhule
Karauli
Nandurbar
Pune
Raisen
Ratnagiri
Rishikesh
Sawai Madhopur
Vidisha
Sindhudurg
Madhya Pradesh
Rajasthan
Uttarakhand
Sindhudurg
Pune
Maharashtra
Aurangabad
Raisen
Vidisha
Alwar
Bharatpur
Sawai Madhopur
Karauli
Nandurbar
Dhule
Ratnagiri
Rishikesh
Dhaulpur
Dhar
11. Lupin saw its role as that of a catalyst, integrating
diverse resources to make things happen. Going
beyond routine CSR activities, we have engaged
ourselves in hands on implementation of rural
development activities. Multiple operational and
guiding strategies have been adopted by us in pursuit
of our objectives. The key strategies that have
worked well are as follows:
Develop convergence, partnership and
collaboration
We believe that to have visible impact of the
development initiatives, scalability is important and it
is only possible through partnerships. Hence, Lupin
Foundation closely works with the central and state
Governments as well as with other national and
international organizations to achieve its objectives.
We stress on setting targets and building consensus
on coordinated action in convergence with the on-
going and up-coming poverty eradication
programmes of the government in the area of
operation. Convergence, partnership and
collaboration are the integral part of our strategy and
effort is made to develop it at all levels.
Search remedies in local settings
We conceive a village, its communities, its issues, its
resources in totality and believe that the remedies to
rural problems must be explored within local settings.
Offer Customized Development Solutions
We offer customized development solutions through
flexible demand based programme design to cater
needs of diverse sections within rural socio economic
landscapes. Through direct intervention and social
investments, attempt is made to address immediate
needs of poor along with long term development
programme.
Allow people to define poverty
Lupin Foundation does not impose any official norm
of poverty; instead, it allows local people to define
poverty for themselves and work for its eradication.
Build Local Institutions
The community is at the core of the process of
change. In most of the adopted villages, Lupin Gram
Vikas Panchayats (LGVP), group of catalysts or
change agents have been established. They are the
role models- whose example inspires and motivates
the rest of the villagers. They have become vital
channels creating social change. This institutional
arrangement known as LGVP Modelis widely
accepted and followed. Similarly several other
community based organizations such as Self Help
Groups (SHG), SHG federations, Joint Liability
Groups (JLGs), Farmers' Clubs, User Groups,
Common Interest Groups (CIGs) are promoted in the
area of operation. These groups have not only
strengthened the local communities but also
emerged as bridge between Lupin Foundation and
the people.
Adopt multiple approaches
Addressing poverty is a complex process that
requires adoption of multiple but complimentary
approaches. We adopt cluster approach in village
selection, which means villages where activities are to
be initiated are selected in close vicinity to each other
for effective operation of the programme.While in
designing the activities, we aim at extending benefits
to individual poor families as well as community.
Strategies
12. Board of Trustees
Dr. Desh Bandhu Gupta
Chairman, Lupin Ltd. &LHWRF
Mrs. Manju Desh Bandhu Gupta
Executive Director, Lupin Ltd. & Trustee
Mr. Divakar Kaza
President- Human Resources, Lupin Ltd. & Trustee
Mr. Sunil Makharia
Executive Vice President- Finance, Lupin Ltd. &
Trustee
Mr. Khushi Ram Gupta
Director- Corporate Affairs, Lupin Ltd. & Trustee
Executive Committee
Mr. Sunil Makharia
Chairman, Executive Committee
Mr. Sita Ram Gupta
Member, Executive Committee/ Executive Director,
LHWRF
Dr. Swati Samvatsar
Member, Executive Committee/ Chief Programme
Manager, LHWRF
13.
14. Activities in the current year
Economic
Development
Infrastructure
Development
Social
Development
munm ito
y
C
Family
Natural Resource
Management
LHWRF is working in the four core areas Economic,
Social and Infrastructure Development as well as
Natural Resource Management. It primarily adopts
family centred approach and thereby target BPL
families and initiate measures that will enable them to
come out of the clutches of the poverty. However, the
NRM and infrastructure development programmes
brings and unite community together to undertake
collective action for common cause.
Programme Areas
15. Agricultural development
Farmers Institutions Development
Productivity Enhancement
Promotion of Vegetable, Fruit orchards and
Floriculture
Bee-keeping
Animal Husbandry
Dairy Development
Goat, Sheep, Poultry & Fishery Promotion
Fodder Development
Animal Health Services
Livestock Supported Units such as Biogas
Livestock Insurance Services
Rural Industries Promotion
Self-Employment/ Enterprise Development
Wage Employment
Micro-Finance
Financial Inclusion
Economic Development Social Development
Overview of activities
Women Empowerment
Self Help Groups Establishment and
Strengthening
Financial Linkages
Women's Federation Establishment
Awareness on Social and Political Issues
Community Health Management
Infra-structure Development
Rural Civic Amenities
Rural Housing
Other infra-structure
Natural Resource Management
Water resource development
Water Storage Structures
Small and Medium Lift Irrigation
Land development
Cultivable Land Treatments
Waste Land/ Common Land Treatments
Education
16. Economic Development
Rural economy still largely orbits around agriculture and livestock, though local non-farm sector can offer
gainful employment to excess population in these sectors. Therefore, Lupin Foundation, along with the
improvement in agriculture and animal husbandry also continued to promote rural industries. These
sectors play pivotal role in the functioning of rural economy.
Various development measures aimed at economic development under the programme are therefore
carried out in three broad sectors viz. Agriculture, Animal Husbandry and Rural Industries. Further, an
important initiative is underway for financial inclusion in the six districts of Rajasthan in association with
State Bank of Bikaner and Jaipur (SBBJ).
Activities undertaken in these sectors are leading to enhancement of productivity and production,
development of human resources and increased income from farm, off-farm and non-farm livelihoods. The
impacts of the programme measures initiated in these sectors are now increasingly visible in the adopted
villages.
17. Activities of LHWRF in agricultural sector are designed
to enhance farm productivity and availability of
resources. Support in improvement of soil health and
introduction of effective technologies have enabled the
farmers to increase their yield enormously. Credit
needs of the farmers are also being met through
microfinance and bank loans. Crop diversification is
promoted for adaptation with variations in the climate
and market. Now farmers are increasingly cultivating
Agricultural Development
Activity
Unit of
Measure
Total
Families
Benefitted
Farmers Institutions Development
Farmers' Clubs
Farmers' Gathering/ Melawa/ Platform
No.
No.
213
10
Productivity Enhancement
Crop Varietal promotional cultivation
System of Rice Intensification (SRI) promotion
Vermi-compost units
Urea briquettes
Promotion of Cereal crop seeds
Promotion of Pulses crop seeds
Promotion of Oil crop seeds
Promotion of improved farm equipment/ machineries
Shednet/ green house/ poly-house farming
Soil and Water Testing
Soil Treatment and Reclamation
Plastic crate Distribution
Horticulture Development
Hectare
Hectare
No.
No.
Hectare
Hectare
Hectare
No.
Hectare
No.
Hectare
No.
1,140
43
109
6
680
51
445
633
14
665
765
595
2697
556
2304
96
116
82
1220
791
555
1002
88
665
1896
18
Promotion of WADI (NABARD Model)
Horticulture Plantation (other than WADI)
Hectare
Hectare
817
271
2355
657
Vegetable and Floriculture
Demonstrations/ promotions of vegetable
Vegetable Seed distribution
Floriculture promotion
Bee-keeping
different vegetables, horticultural and floricultural crops
due to our promotional programmes. Converging on
productivity enhancement, crop diversification, credit
support and technological infusion, Lupin Foundation
has managed to strategically leverage the various
factors of production to ensure that the farm sector
does not turn moribund but bring happiness to the rural
poor.
Hectare
Kilogram
Hectare
No. of Boxes
714
161
4
330
2172
865
26
12
18. photo
Joint Liability Group (JLG) has brought the happiness
into the life of Hukum Chand from village Purana
Rajgadh, district Alwar. Owner of one bigha land,
Hukum Chand was practicing traditional agriculture.
Since, productivity was low he was unable to break
the vicious cycle of poverty. No financial institution
was ready to offer him credit. In 2011-12, MGDJSN
helped farmers to come together and form – Shyam
JLG. The group was linked with Punjab National Bank
and each member got loan of Rs. 25000/- In
consultation with staff of MSGDJSN, crop
diversification plan was chalked out. Floriculture,
vegetable cultivation, papaya plantation was
undertaken. Hukum Chand earned profit of Rs.
20000/- from floriculture while Rs. 15000/- from
vegetable sale. He has started getting regular
income, is repaying loan instalments regularly. Now
he is earning enough to fulfil familial needs. Thanks to
timely guidance of MSGDJSN.
Hafeez Saeed, Fishery Farmer,
Village: Jeeraheda, Bharatpur, Rajasthan.
Lupin Foundation helped me to turn my 6 acres of barren land into two
ponds using seepage of nearby canal. In these ponds, I started fish farming
with the loan support from the organisation. This year I have earned about
6 lakhs from the fishing.
Voices from the field
Crop Diversification changes fortune of Hukum Chand
19. Animal Husbandry (AH)
Livestock provides vital additional income for
sustenance of poor in rural areas. One of the central
factors for the low productivity in India is animal
breed. Farmers mostly maintain nondescript cattle
and buffaloes, which are less productive and of poor
genotype. Hence, the focus of Lupin Foundation
within Animal Husbandry (AH) sector was to induct
livestock of superior breed that are adaptive to local
ecosystem in order to improve productivity. In order
to improve the genotype and enhance the milk
production, breed improvement has been taken up in
a major way, by means of Artificial and Natural
Insemination across the centres by Lupin Foundation.
This ultimately leads to dairy development, which is
another important activity in this sector.
Since the extension support required for livestock
management is poor in the area of operation,
initiatives mentioned above are complemented by
activities such as organizing animal vaccination
camps, provision of animal health care support at the
door step, promoting fisheries and assisting farmers
for fodder development. Different measures initiated
in this sector have thrust on increasing production
through livestock as well as better price realisation.
20. Activity
Unit of
Measure
Total
Families
Benefitted
Dairy
1. Breed Improvement services
2. Natural Insemination- bull purchasing
3. Artificial Insemination services
4. Pregnancy diagnosis
5. Animal Shed Construction
6. Cattle Mangers/ Water Trough
7. Dairy Animal Purchasing
8. Dairy Activity Village
9. Dairy Resource Village
10. Milk Collection Centres
Animals
Animals
Animals
Animals
No.
No.
Animals
No.
No.
No.
147
3
2627
2033
64
4
2218
82
288
1
1584
82
2933
1783
94
101
3185
113
288
1407
Goats promotion
1. Goat Purchasing (single goat distribution)
2. Goat units (Stalled- Females with a Male)
Animals
No.
1276
112
765
112
Poultry & Fishery
1. Backyard Poultry Birds
2. Commercial Poultry units
3. Development of Fish Pond
Birds
No.
No.
450
33
9
297
27
9
Fodder Development
1. Green Fodder development demonstration
2. Dry Fodder development demonstration
3. Promotion of Chaff cutter
Hectare
Hectare
No.
66
2
1
888
17
16
Health Services
1. Vaccination services
2. De-worming
3. Supply of mineral mixture
4. Health check up and treatment camp
Animals
Animals
Quintals
Animals
31921
14900
304
1968
15832
1918
1796
6450
Livestock Supported Units
1. Biogas/ Gober gas units
2. Biomass Cook Stove
3. Dairy Equipments/ Milk Collection Centres
109
100
2
114
100
168
No.
No.
No.
1. Promotion of Livestock Insurance Policies 365 311Animals
7 Insurance Services
21. Goat rearing has changed the fortune of Teeja Devi
from village Shrinagar Banden, district Alwar. Though
family had land, because of water scarcity family
members were forced to work as labourers. In the
year 2007-08, Narayani SHG was formed, Teeja Devi
became member. SHG members decided to rear
goats. Teeja Devi got the loan for purchasing three
goats. She started earning Rs. 100/- per day by
selling milk. Every year, she sales 4 he-goats, which
fetches her Rs. 5000/- each. She also started grazing
goats for other 40 families in the village. It gave her
additional income of Rs. 4000/- per month. Now Teeja
Devi owns 25 goats and is earning Rs. 9000/- p.m.
from goat rearing. She repaid the entire loan amount
before stipulated time. By sheer hard work she was
Teeja Devi earns her livelihood through Goat Rearing
able to improve family's economic status. Really,
Teeja Devi has become inspiration not only for other
SHG members but also for other women in the State.
Sunil MaharuKunwer, Dairy Farmer,
Sitadipada village, Sakri, Dhule, Maharashtra
So far Sanstha has given one Murrah buffalo each to 24 farmers in our
village. My buffalo is the best one and I worked hard for her too. My buffalo
gives 6 litres milk at a time. That means daily I get about 12 litres milk from
her. Here rate of milk is around 40 rupees per litre. There is no need to
migrate or work on farms of other people if one buffalo gives 480 rupees a
day
Animal Health Services
25%
7%
7%
61%
Vaccination
De-worming
Mineral Mixture
Health Camps
22. Rural Industries Promotion and Skill Building
Rural India is still a skill deficit country. Considering
this, Lupin Foundation has continued to focus on skill
development and credit support to targeted
population. Effort is to pass on as many different skills
as possible to enable beneficiaries to either gain job
or self-employment. Varied trainings are organised to
impart different skills that can lead to meaningful
employment. Apart from different job skills,
Entrepreneurship Development Programme (EDP) is
also undertaken in the adopted areas to enable
skilled and trained people to initiate micro
enterprises.
With stagnation and diminishing returns in agriculture,
encouraging rural nonfarm employment becomes
inevitable. Solutions to rural poverty are to be found
within the rural areas. Generating different livelihood
options is necessary to enable poor to come out of
vicious poverty cycle. Lupin Foundation believes in a
development strategy focusing on rural enterprises
and skill building that can bring about significant and
positive change not only in the lives of people but
also in the structure of the local economy. This year
too, we have continued to facilitate micro finance
support to the needy through various linkages. All this
is enabling the rural poor to have greater livelihood
security and increased incomes.
23. Activity
Unit of
Measure
Total
Families
Benefitted
1 Self Employment/ Enterprise
1. Skills Development Programmes
2. New Enterprises established
3. Old Enterprises re-established/ upgraded
Events
No.
No.
199
3
1783
3509
390
1783
2 Wage Employment
3 Micro-Finance
1. Loan disbursed from local banks
2. Loan disbursed from NABARD programmes
3. Loan disbursed from Rashtriya Mahila Kosh (RMK)
4. Loan disbursed from SIDBI funds
5. Joint Liability Groups (JLG) formation
Amount Rs.
Amount Rs.
Amount Rs.
Amount Rs.
No.
83
39
150
69
13
13
39
150
69
57
1. Skills Development Programmes
2. Vocational Training
3. Men/ Women to be employed after training
4. Establishments/ Companies linked
5. Tool Kit Distribution to Barbers/Mason
Events
Events
No.
No.
No.
10
24
69
10
1173
127
48
69
10
1173
24. Micro-Finance is a tool for uplifting the rural poor out of abject poverty. It has done wonders in many parts of India.
Foundation is continuing its efforts to offer different livelihood options to the poor families through micro-finance.
LHWRF is working in close coordination with institutions like NABARD, SIDBI, Rahstriya Mahila Kosh, local banks
etc. for providing micro-finance to rural masses. The programme has benefitted several families, thus breaking the
vicious cycle of poverty.
Gajanan Saini, from village Purana Rajgadh is smiling
over his fate. Thanks to MSGDJSN, for vocational
skill development programme.
Gajanan belonged to landless family. After passing
HSC examination, he was unable to pursue his
studies further, for want of money. He started working
as labourer. One day he got information about
multipurpose vocational training. In 2012, he
underwent one month training course jointly
organised by NIRD, Hyderabad and MSGDJSN,
Alwar. After the completion of the course, he started
working as electrician. With the help of family he also
started selling electric equipments. His honesty and
hard work paid, he became famous in the villages
Gajanan Saini Multipurpose Mechanic
Local
Banks
NABARD RMK SIDBI
0
20
40
60
80
100
120
140
160
nearby. He also learnt plumbing skills. Now he is
earning Rs. 7000/- p.m. from his self-employment.
Micro-Finance:
Loan Distribution form Financial Institutions Rs. in Lakhs
25. Financial Inclusion: An innovative partnership
This is relatively new initiative but one of the most
promising one. One bottleneck to inclusive growth is
the lack of participation of all sections of the
population in formal banking activity. Financial
inclusion implies access to formal banking and
?nancial services for all segments of the society.
Broadly, it entails inclusion of the entire adult
population under the ambit of banking and ?nancial
services, loan facilities, insurance options or the
ability to choose from these services. In a strict sense,
?nancial inclusion denotes inclusion of at least one
member of each household in formal sector banking
services through an account. Financial inclusion is
also necessary to extend economic citizenship to the
poor. Realising this, Lupin Foundation has
collaborated with State Bank of Bikaner and Jaipur
(SBBJ) to enable financial inclusion of rural poor. An
innovative programme is being implemented by Lupin
Foundation that takes bank to the door step of rural
folks, who were so far out of the ambit of banking
system.
This year about 27000 new accounts of rural poor
and women were opened. The cumulative number of
all accounts opened under the programme are
1,10,000 in 645 covered villages of six districts of
eastern Rajasthan through ever mobile 129 business
correspondents (Bcs).
26. Social Development
Economic growth has to go along with social development. Poverty manifests in several forms and
Social development is necessary to address those. With this belief, the programme has given equal
weight to activities intended to aid social advancement.
Activities under this broad category can be sub-grouped into three sectors, viz. women empowerment,
community health management and education.
27. Women Empowerment
For development, equal partnership of both men and
women is necessary. Such partnership is possible if
women are empowered to take up appropriate role
and position in the society. Economic Empowerment
is the key for women to gain personal identity and
social status. Hindrances that hold women back can
be removed through empowering them financially.
The core mechanism of women empowerment in the
adopted areas of Lupin Foundation has been the
formation and strengthening of women's self-help
groups (WSHGs) with both financial (saving and
lending) and community action objectives. This has
resulted in widened credit outreach and greater credit
access for rural women. Building of linkages with the
financial institutions and banks has ensured that all
the women below poverty line in the area have easy
access to credit. Setting up of successful self-
enterprises by women through SHG loans have
opened up and widen their public spaces and
horizons along with economic empowerment. All this
reportedly has also enhanced the position of woman
within the household.
SHGs have infused self-confidence among women
and they have started voicing their problems on
different platforms. It has opened the new horizons for
their self-development and empowerment. It resulted
in leadership development among women in the
adopted areas.
Now these SHGs are being federated successfully at
the village, cluster, block and district levels. Around
1805 new SHGs were formed and 26 federations
were established during the current year. These SHGs
and their federations are leading to socio-political
empowerment of women in the area.
SHGs Availing Loan from Bank/Micro-finance
No. of SHGs
First
Loan
740
Second
Loan
147
Third
Loan
355
28. Activity
Unit of
Measure
Total
Families
Benefitted
1 Economic Empowerment
1.1 Self Help Group Establishment
1. New SHG formation
2. Identification and Consolidation of old SHGs
3. Training and workshops of SHGs
4. Exposure visits of SHGs
SHG No.
SHG No.
Event
Event
1805
461
2173
86
16
4601
15416
735
1.2 Financial Linkages
1. Linkage Workshop for Bankers/ MF agencies
2. FIRST Loan from Bank/ Micro-Finance
3. SECOND Loan from Bank/ Micro-Finance
4. THIRD Loan from Bank/ Micro-Finance
5. Enterprises/ IG activities started
6. Loan distributed through
1. RMK
2. External linkages
7. SHG linked with loans for
1. RMK
2. External linkages
8. Women linked with loans for
1. RMK
2. External linkages
9. Sewing /tailoring training centres
1. Training participants
2. Sewing machine distributed
Event
SHG No.
SHG No.
SHG No.
No.
Rs. in Lakhs
Rs. in Lakhs
No.
No.
No.
No.
No.
No.
28
730
147
355
3684
145
814
145
552
2075
4470
1173
400
915
8375
1377
3407
5708
3912
1740
3912
5500
2075
4470
1173
400
1.3 Federation Establishment
1. Village Level Federations
2. Cluster/ Block/ District level Federations
3. Training and Workshops of Federations
No.
No.
Events
20
6
2
1500
232
45
1.4 Social and Political Issues
1. Women Gathering/ Melawa
2. Trainings/ Workshops on Social Issues
3. Panchayat Raj Training for women members of GP
Events
Events
Events
484
4535
2
4905
5843
242
29. Empowerment of women through women SHG
building and their strengthening by Lupin Foundation
in Bhopal area has emerged as flagship activity with
its distinct model of partnership with the Indian Bank.
About 388 Women SHGs with membership of 4120
poor families have been formed and strengthened in
over 70 villages of Vidisha, Sanchi, Gairatganj and
Obedullaganj block. Of these SHGs, around 1188
women from 174 groups have been provided
management trainings on SHG formation, operation,
management and grading norms for availing bank
loans. All this is leading SHG programme from one
restricted to savings and credit function to wider
women empowerment. Some SHG members have
initiated anti liquor campaign in cluster of villages. At
many places, these SHGs are able to exert pressure
and improve local governance system.
SHG strengthening model of Bhopal
30. Assuring a minimal level of health care to the
population is a critical constituent of the development
process. Lupin Foundation runs a programme that
attempts to address different critical issues in the
sector. Availability, accessibility and affordability are
the three key factors that affect the health of the poor
people.
Lupin Foundation is addressing these issues through
its health programme. Focus is on extending timely
health services to the rural poor and also
complimenting the governmental efforts to reduce
IMR and MMR in the adopted areas. Lack of access
to health services is also one important dimension of
the poverty. Quality health service that can provide
early diagnosis and timely care is critical in rural area,
particularly for the poor. Hence, the concept of
“Quality Health Services at the doorstep” has been
embraced. Through the outreach of mobile medical
vans, health check up is carried out on regular basis;
needy patients are given treatment while serious
patients are referred to hospitals. Assistance for
surgeries is also provided for poor and needy.
General health check-up, special diagnostic camps
are organised at all the centres. School health check
up is also carried out by the LHWRF teams. Lupin
Foundation is also implementing partner of Integrated
Child Development Scheme (ICDS) in Kumher block
of Bharatpur district and its performance has been
validated by comparative study conducted by
UNICEF.
Activity Unit of
Measure
Total
Families
Benefitted
1. General Health camp
2. School Health Camps
3. Health Check up by Mobile Medical Unit
4. Detail DiagNo.tic Check Up
5. Operatives and Hospitalization
6. Mobile Medical Van
7. Special Health Camp (ENT, Ortho, Eye, Anaemia)
8. Trainings for Village Health Workers
9. Village Cleanliness Campaign
10. Model PHC Development
Events
Events
Events
Events
No.
Events
No.
No.
No.
No.
19
26
1310
1
622
1740
107
7
1
1
3286
2347
69752
4996
622
106685
8962
54
310
35000
Community Health Management
31. Lupin Foundation is running Mobile Medical Units under PPP model in three districts of Rajasthan since
August 2008. Through these units 20 camps are held every month in the “C” category villages of the
Districts. 1080 camps have been organized and 1.60 Lakh patients benefited. Organization is providing
qualitative and quantitative health services through three Mobile Medical Units and diagnostic vans in far
flung areas. A follow-up visit by the medical unit is also made regularly after the completion of the health
A sister organisation of Lupin Foundation, MataShri
Gomati Devi Jan SevaNidhi (MSGD) has established
two Vision Centres in Rajgarh and Kathoomar block
of Alwar district with the technical assistance of Dr.
Shroff Charity Eye Hospital. The main objective of
these vision centres is to provide quality eye care
services to rural community i.e. early identification,
refraction, follow up and referral for surgeries. During
Vision centre of Alwar
this year, 2549 persons have benefitted directly
through Vision Centre including 366 persons that
have undergone cataract operation. Additionally, 518
school children have also been benefitted through
eye check-up campsorganised by Vision Centre. This
programme presents unique and replicable model in
health sector, particularly for providing eye care
services to rural population.
vision centre photo?
32. Educational progress is closely linked with
development process. Educated human resource is
indicator of development as well as trigger for it.
However, the educational progress is hampered by
quality of schools, particularly in rural India.
Educational access and quality are two sides of the
same coin. Access to education can be only
meaningful if it is fairly qualitative and enriching. When
quality of schooling is compromised, the students
suffer, loose their interest in continuing tedious
education and tend to drop out. Lupin Foundation's
intervention in the sector homes in on this critical
aspect in the adopted areas.
Lack of equipment and facilities in the schools in rural
area hampers quality of education. Therefore, the
programme focuses on providing such amenities and
equipment to the schools in the area to enable the
students to have quality education. Lupin Foundation
has introduced e-learning systems in the adopted
areas, which have made education exciting
phenomenon for the students and teaching smooth for
the teachers. This year E-learning facilities were
installed in 18 schools while 135 schools were
provided with educational aids / equipment. These
school based interventions across the centres of
Lupin Foundation have turned schooling more
creative and enjoyable for the students and
contributed in reduction of dropout rate.
Education
33. SOCIAL DEVELOPMENT
Activity Unit of
Measure
Total
Families
Benefitted
1. E-learning units for schools
2. Educational aids/ equipments
3. Career counselling
4. Training/ exposure for teachers
5. Scholarship for students
6. School infrastructure/ buildings
7. Model anganwadi development
8. Model school development
9. Slogan/ educational painting in schools
No.
No.
Events
Events
No.
No.
No.
No.
No.
18
135
3
10
689
1
1
10
23
2449
2359
405
782
888
120
20
2000
3000
Activity Unit of
Measure
Total
Achievements
Physical
Total
Achievements
Financial
2 Education
1. E‐learning units for schools Numbers 153 362400
data from client
35. Infra-structure Development
Government alone cannot address the issue of
providing proper rural infra-structure and civic
amenities. There is a very little or no participation of
local people in infra-structure development within
rural areas. This approach has left villagers with
structures and facilities that are mostly redundant or
inadequate. Building of functional and useful infra-
structure will require local initiative and participation
as such facilities involve operation and maintenance.
Lupin foundation believes that the major cause of
issues that plague modern rural society is gradual but
definite withdrawal of the community. Unless and until
community come together and adhere to its
conventional role, it will be difficult to overcome the
hurdles in development. Sensing the need of
adequate rural infra-structure and also recognising
that it can bring all sections of rural society together,
the Foundation helps the communities to build
necessary civic infra-structures. In this, school infra-
structure, rural sanitation and housing have been
accorded priority. These initiatives are improving
quality of life in the adopted areas and bringing much
needed comfort to women, children and poor in
general.
Intervention/ Activity Unit of
Measure
Total
Achievements
Physical
Total
Achievements
Financial
2 Education
1. Internal Road in Villages
2. Low Cost Houses
Metre
Number
8
72
2283000
2596810
photos
37. Activity
Unit of
Measure
Total
Families
Benefitted
1 Water Resource Development
1.1 Water Storage Structures
Land and water are the two main resources that
determine the agriculture productivity. Availability of
water is vital for agricultural development. If water is
made available, farmers could cultivate crops round
the year, thus increasing productivity. It also ensures
food security, income enhancement as well as
prevention of out migration. Lupin Foundation
facilitates development of water resources through
various measures such as construction of check
dams, farm ponds, digging new wells, deepening /
repairing of existing wells. For efficient use of water,
drip irrigation systems are promoted. In order to
enhance water use efficiency, drip irrigation system
for watering crops was promoted widely. Land
development activities such as building of farm
bunds, Continuous Contour Trenches (CCTs), Water
Absorption Trenches (WATs), earthen bunds, were
undertaken for water and soil conservation. Besides,
the block forestry plantation and pasture land
development was also done to regenerate the natural
resources.
1.2 Water for Crops
2 Land Resource Development
2.1 Cultivable Land Treatments
2.2 Waste Land/ Common Land Treatments
3 Alternate rural energy
1. Check/ Cement Dams
2. Farm ponds and village ponds
3. Renovation of old structures
No.
No.
No.
6
199
3
440
4238
667
1. New Well digging
2. Well deepening/ repairing
3. Promotion of efficient irrigation systems
4. Small Lift Irrigation Schemes
(Command area < 15 acres)
5. Support for Pumps/ Motor/ Engine/ Pipes
No.
No.
Hectare
No.
No.
19
8
95
2
109
177
94
111
13
109
1. Farm/ Boundary bunds Hectare. 2 5
1. Continuous Contour Trench (CCT) Hectare. 19 32
1. Bio‐gas
2. Biomass cook stove
3. Smokeless Chullah
Number
Number
Number
316
10
220
38. The Lupin Foundation had always been working in close cooperation of concerned state Governments, Central
Government and various agencies such as NABARD, SIDBI. Currently following programmes are under
implementation. (This is only indicative and not exclusive list of programmes)
Photos
Mobile Medical Van
(MMV)
Programme
Number
of
Projects
Locations
Funding
Agency
State govt. Dhule and Ratnagiri
Mobile Medical Diagnostic Units
(MMDU)
Nabard
Integrated Child Development
scheme (ICDS)
Tribal Development Fund
(TDF) – WADI Project
Umbrella Programme on Natural
Resource Management (UPNRM)
Women Self Help
Group (WSHG)
Programme
Integrated Watershed
Management Programme
(IWMP)
Nabard
Nabard
UNDP and
Govt. of
Rajasthan
NRHM - State
Health Department,
Rajasthan
NRHM - State Health
Department,
Rajasthan
2
9
5
3
1
3
9
Rajasthan (3), MP (2),
Maharashtra (4)
Bharatpur, Dhule (2),
Sindhudurg, Pune
Dhule (Sakri, Shirpur)
Pune (Junnar)
Kumher block of Bharatpur
district
Bharatpur, Karauli and
Dholpur
Bharatpur (4), Karauli
(2) and Dholpur (3)
Development Programmes under Implementation
39. Since required cow dung for production of biogas is
easily available to the farmers, Sindhudurg centre of
Lupin Foundation has initiated a major drive of
constructing biogas plants in the area. Around 768
biogas plants were constructed availing lower rate
loan support from NABARD. It has evolved as flagship
programme in the area and offer replicable model to
provide alternate energy in rural areas.
In several contexts, the model evolved by Lupin
Foundation in Sindhudurg area becomes relevant and
exemplary. Biogas is the one of the best green
solution to rural energy problems. In rural India, the
people have to depend on firewood as a fuel. Since
LPG is not affordable and many times not available
for the people living in remote villages, firewood
remains only option for cooking. This leads to
deforestation.
Cooking by using firewood also causes respiratory
diseases in women. Firewood collection is laborious
and involves drudgery for women, since it is they,
who have to do it. Apart from these compelling
reasons, what worked for the spread of this activity in
the Sindhudurg area was the operational strategy
adopted by the centre, which created a replicable
model. Apart from easy financing, what worked was
Alternate Energy development programme in Sindhudurg
creation of pool of locally available masons through
trainings. Users were also trained in biogas plant
maintenance. This has also provided livelihood option
to few landless families, who are managing it by
collecting the dung from the village. The inputs
required for biogas pushed the families for better
milch animals and slurry helped farmers to go for
organic farming.
Women specifically demanded for such integration at
it helped them to save their time and reduce the
drudgery. Mostly the women folk have to spend their
time and take drudgery of fetching fuel wood from the
forest. At least 3-4 hours of work per day is involved
in this job. On an average, a woman invests 30-35
days in a year in this. This time is saved due to
erection of biogas plant at home. The time saved
helped them to increase the dairy activity at doorstep.
A biogas plant of two cum gives 50 kg of slurry per
day round the year. Thus, about 18 tons of slurry is
produced and used as fertilizer saving about Rs. 9000
per year. Besides improvement in the soil quality, this
leads to 15% increase in paddy yield.
41. LHWRF is operative in the difficult mountainous
terrain of Uttarakhand through its center based at
Rishikesh. The center carries out CSR work with
holistic development approach in the service area
that comprises Doiwala and Sahaspur blocks in
Dehradun district.
A multi-day cloudburst that hit in June 2013, caused
devastating floods and landslides in the state of
Uttarakhand. It was worst disaster since tsunami and
ASSOCHAM report puts the damage caused by the
disaster to the tune of 10,000 crore.
Lupin Ltd keeping its tradition of responding to
national calamity immediately swings into action
through Lupin Foundation. Following the three 'R's of
disaster response, Relief, Recovery and Rehabilitation
measures were planned and implemented in the
severely affected areas of Uttarakhand by utilising
about 20 Lacs fund on relief operations and another
64.50 Lacs on the construction of school/college
buildings and knowledge centre in Uttarakhand.
While the four districts of Uttarakhand were affected
by the calamity, the three districts namely Uttarkashi,
Chamoli and Rudraprayag were hit worst, which we
adopted.
42. All the sector wise interventions have training and capacity building component as strategy is to transfer as much
skills as possible to remove skill deficiency in rural India. Skill, technology transfer and capacity building through
diverse trainings have enabled Lupin Foundation to generate pool of trained persons at the village level. The table
below mentions few important training events conducted during the year.
Activity
Unit of
Measure
Total
Families
Benefitted
Agriculture
1. Training on different crops (package of practices)
2. Training on agriculture practices/ technologies
3. Training of farmers' groups/ clubs/ cooperatives/
producer companies
4. Training on Bee Keeping
5. Exposure visits to successful units
6. Agriculture Information Centres
7. Family Affinity Groups & VDCs formation
and Capacity building
Events
Events
Events
Events
Events
No.
No.
65
113
23
2
27
13
24
1900
4366
900
55
637
180
240
Animal Husbandry
1. Training on breeding of animals
2. Training on feeding and management of Livestock
3. Training for Bio-gas masons
4. Exposure visits to successful units
Events
Events
Events
Events
6
90
8
17
110
3006
26
666
Natural Resource Management
1. Training on Land Resource/
Watershed Development
2. Exposure visits to villages/ institutions for
watershed development
Events
Events
10
9
300
258
Training
43. Different measures and activities conducted during the year complemented our work since last 25 years aimed at
producing significant change within lives of rural folk. Following are some of the outcomes one can notice in our
area of operation.
Different measures of soil and water conservation were initiated by the organisation this year. Existing water
storage structures such as ponds, check dams were de-silted, repaired or deepened, making those functional with
increased capacity. New farm ponds, cement check dams and farm bunds were also constructed, which have led
to increased storage of water and soil within treated areas. These measures are leading to greater retention of soil
moisture within farm plots, enhanced water table and greater recharge in downstream wells. Timely support of
Lupin Foundation for well construction, drip irrigation and pipelines enabled farmers to access and use the
increased water for irrigation particularly in rabbi season.
Transfer of technology across the sector in the adopted areas have led to momentous change in the adopted
area. Introduction and propagation of better cultivation practices such as ICPT, SRI, and organic farming have
changed the way farming done in the adopted areas. Besides, introduction and promotion of improved seeds
resulted in greater yield for the farmers. Advanced farming through shade nets and poly-houses were also
introduced on pilot basis. The farmers are widely adapting to these improved technologies that in turn having an
impact on the farm productivity. This infusion of improved technologies is not restricted to farming alone. In allied
sector of animal husbandry, infusion took place in the form of breed improvement, improved feed, fodder and
advanced animal health care. Similarly, in traditional nonfarm livelihoods such as bangle-making, novel and useful
technologies are developed or introduced turning operations in these trades more productive, safe and eco-
friendly.
Another impact noticeable across different sectors in Lupin Foundation areas is productivity enhancement. In
agricultural sector, along with improved cultivation practices, promotion of high yielding seed variety has resulted
in the increase in the crop production and productivity. Farmers report that these varieties have almost double the
production within the same land plot. Similarly, availing land development support from Lupin Foundation, the
farmers were able to increase land productivity and area under cultivation. NRM activities undertaken by the
organisation has led to increase availability and accessibility of natural resources, improving overall productivity of
local eco system. Promotion of drip irrigation has improved water productivity with efficient use of available water.
Similarly, in animal husbandry, induction of improved Murrah breeds through AI and NI methods have led to
greater milk production per animal. Increased awareness about animal shed management through trainings of
dairy farmers along with availability of animal health care services at the doorstep have resulted in greater
livestock productivity.
Overall outcomes
Greater natural resource availability and accessibility
Technology transfer and adoption
Enhancement of Productivity
44. Diversification is the key to change. Due to promotion of vegetable farming, floriculture and horticulture by Lupin
Foundation, the cropping pattern has changed in the adopted area. Newer crops have now stabilised in the area
and greater number of farmers adapting to this diversified farming. The shift is from subsistence to market
orientated crops. This has enabled the farmers in the area to tap market and earn greater monetary returns. As
mentioned earlier, crop diversification is also leading to enhanced adaptive capacity. Introduction and promotion
of organic farming, improved cultivation practices such as SRI and ICPT have changed the way farming was done.
This change was achieved through systematic promotion methods and materials with apt hand holding support.
Sustained effort of the organisation to facilitate shift towards commercial cropping has enable farmers to reap
good returns, especially through vegetable farming. Use of low cost but handy equipment also reduces the labour
costs for the farmers. Increased productivity and production of all crops through improved seeds and farming
practices have ultimately resulted in increased farm income for the cultivars. With Lupin Foundation support, the
farmers in the area of operation shifted to commercialised farming. This has given them greater exposure to the
market. Particularly vegetable and floricultural farming have increased access to the town markets for the villagers,
where returns are higher. This increase in incomes again is not limited to agriculture alone. Through increased
livestock productivity, milk production and dairy development in the adopted area, the livestock farmers are able
to earn far more than Lupin Foundation intervention. Similarly, nonfarm livelihoods, both in the form of self-
enterprises or wages have increased through Rural Industries Promotion programme of Lupin Foundation
spawning a greater income flow for rural poor.
For communities, common amenities such as internal roads, halls and schools have changed the face of their
villages. Increased farm and agro-allied and nonfarm incomes in the areas are fuelling all round growth in the rural
economy. Availability of quality health care services at the doorstep through MMDU and health camps is enabling
people to lead healthy life within their villages. Lupin Foundation support to schools has enhanced educational
quality. It resulted in increased retention of the students in the schools. For women, economic empowerment
through SHG formation and credit support also opened up spaces in society. Their position within house has
enhanced. Various interventions have also led to their drudgery reduction and improved health. Thus, through all
the diverse and sector wise interventions, what is prominently visible impact in the Lupin Foundation areas is the
enhanced quality of life.
Market oriented Crop diversification
Increased rural incomes
Improved quality of life
45. For years India focused on poverty eradication and
results are encouraging. Given the definition of
poverty adopted by the government, most of the
Indian population will come out of poverty line in near
future. Lupin Foundation is committed to poverty
alleviation and we are aiming at making Bharatpur,
Alwar and Dhule a poverty free districts in near future.
However, now there is a need to look beyond extreme
poverty and work for attaining of empowerment line,
which defines indicators of minimum acceptable
standard of living. Lupin Foundation plans to create
and establish models of uplifting people over the
empowerment line on a wider scale.
Amplification and replication of existing successes of
Lupin Foundation in livelihood generation,
productivity enhancement and women empowerment
will be essential while going forward. It will be useful
to take stock of what really triggered the attainments.
Articulation and dissemination of those models have
to be done to enable scaling up of the activities
across the centres and beyond.
Certain plans are in pipeline and Lupin Foundation intends to achieve those in immediate future.
They include:
Developing block level clusters of vegetable farming, fruit orchards and floriculture.
Achieving increase up to 1500 MT and establishing honey parlour at Bharatpur.
Promoting goat farms and backyard poultries on a wider scale to boost livelihoods.
Establishing a demonstration unit of avian farming at the technology park at Maigujar.
Installation of biogas plants on a mass scale for providing quality energy, drudgery reduction and
promotion of organic farming.
Establishing an 'Entrepreneurs' School', where trade basedtraining can be organized and guidance
and technical support can be provided routinely to the rural entrepreneurs.
Establishing marketing facility centres at the district level to sell products made by SHGs.
Amplification and replication of existing successes in livelihood generation, productivity enhancement and women
empowerment will be essential while going forward. It will be useful to take stock of what really triggered the
attainments. Articulation and dissemination of those models have to be done to enable scaling up of the activities
across the centres and beyond.
Challenges ahead and Future Plans
46. Lupin Foundation graciously acknowledges the support and cooperation received from all the partners and entities.
Particularly we would like to thank:
Partnerships and collaborations
Funding and collaborative partners
Vicious cycles of poverty, debt and resource
degradation are difficult to break and turning those
into virtuous cycles is easier said than done.
Increasing variations in climatic, marketing conditions
and sometimes in policy environment tend to disturb
processes and often tend to bring it back to square
one. Continuous improvement in policies and
strategies through self-critical analysis and learning
alone can keep organisation to shoulder these
challenges and achieve its objectives.
Though striking, removal of poverty is tough objective
to achieve. Still Lupin Foundation was able to make
Rajgarh town of Rajasthan poverty free through its
relentless efforts. Now Lupin Foundation has taken
formidable challenge of making Bharatpur and Dhule
poverty free districts by 2015 and 2017 respectively.
This year the drought situation in certain states has
posed a threat of undoing all the good works carried
out throughout the year. Several long term solutions
to cope up with such disasters have to be undertaken
in this context.
Apart from achieving increased outcomes within short
duration, Lupin Foundation plans in future to
strengthen the processes and institutions that are
enabling the Foundation and the communities to
accomplish set objectives.
Various activities that contribute to sustainability need
to be stressed upon while going ahead. Promotion of
organic farming, micro irrigation, NRM and watershed
development will be critical.
Knowledge Partners
Confederation of Indian Industry (CII) Council for Scientific and Industrial Research (CSIR) Indian Council of
Agricultural Research (ICAR) Center for Micro Finance KeggfarmsPvt. Ltd., Gurgaon (Haryana) Central Avian
Research Institute,IjjatnagarBarielly (UP) DeendayalUpadhyay Veterinary University, Mathura (UP)
Implementing Partners
Lupin Gram Vikas Panchayats (LGVP) and other CBOs Local communities in the adopted area
Sister Organisations
Desh Bandhu and Manju Gupta Foundation (DBMGF), Dhule Mata Shri Gomati Devi Jan SevaNidhi (MSGD), Alwar
48. LIABILITIES Schedule Amount Rs. Amount Rs. ASSETS Schedule Amount Rs.
Corpus Fund
Less: Utilised/project implemented
Loan for MF Schemes
Secured Loans
Sundry Payables / Advance Received
Reserves & Surplus
Opening balance b/f
Add: Current year surplus
Grant from Govt.Agencies (Implementation of
Specific Projects)Opening balance b/f
Add: Received during the year
1
2
3
4
9,446,414
68,725,348
60,447,083
26,104,442
22,872,043
311,00
48,976,485
17,724,679
134,348,169
1,318,588
13,370,317
216,049,238Total
Fixed Assets
Loan given under
MF Schemes
Less: Provision for
doubtful recoveries
Security Deposit
Advances given for
Programmes / Receivable
Cash and Bank Balance
Fixed Deposit
5
2
6
7
8
9
122,644,173
1,021,371
20,237,413
121,622,802
1,203,580
13,862,055
47,035,885
12,087,503
216,049,238
Amount Rs.
Total
AS PER OUR REPORT OF EVEN DATE
For ARORA & ARORA For LUPIN HUMAN WELFARE AND RESEARCH FOUNDATION
CHARTERED ACCOUNTANTS
REG NO. 100544 W
HARRISHH ARORA DR. DESH BANDHU GUPTA SUNIL MAKHARIAPartner
TRUSTEETRUSTEE
Mem No. 036746
MUMBAI June 30, 2014
PARTNER
Balance Sheet
